835 DECA CREDIT UNION INC

EIN: 310601950

Cincinnati, OH

Total Revenue
$226,996
Total Expenses
$185,224
Total Assets
$7,029,036
Net Assets
$1,163,796
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Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year
1958
Legal Domicile
OH
Principal Officer
Brandon Guthier
Phone
5135412480
Tax Period
2023-01-01 to 2023-12-31

835 DECA CREDIT UNION INC, founded in 1958, is a small nonprofit that reported $227K in total revenue in fiscal year 2023. Revenue surged 62% from the prior year, signaling strong growth momentum. The organization ran a surplus of $42K, a strong 18% operating margin.

Mission

To provide quality financial services to member or owners.

Program Service Accomplishments

Program 1
Expenses: $185,224 Revenue: $226,996

Provide 1575 members with regular share accounts, vacation club accounts, and IRA accounts. Total accounts 2917

Program 2

Provide 287 loans to members. Type of loans include vehicles, trucks, motorcycles, recreational vehicles, boats, share loans and unsecured loans.

Program 3

none

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Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

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Financial Overview (2023)

Revenue Breakdown

Contributions & Grants $0
Program Service Revenue $151,206
Investment Income $75,790
Other Revenue $0
TOTAL REVENUE $226,996

Expense Breakdown

Grants Paid $0
Salaries & Benefits $103,868
Fundraising Expenses $0
Program Expenses $185,224
Other Expenses $81,356
TOTAL EXPENSES $185,224

Year-over-Year Comparison

2023 2022 Change
Revenue $226,996 $140,406 +0.6%
Expenses $185,224 $159,942 +0.2%
Net Income $41,772 $-19,536 -3.1%
Key Indicators
✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✗ Schedule B Required
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Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

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Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

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Governance

Voting Members
5
Independent Members
5
Employees
2
Volunteers
5

Governance Policies

✗ Conflict of Interest Policy
✗ Whistleblower Policy
✓ Document Retention Policy

Special Practices & Reported Activities

✗ Operated a School
✗ Operated a Hospital
✗ Provided First Class Travel
⚠ Reported Conflict of Interest
✗ Reported Asset Diversion
✗ Excess Benefit Transaction
✗ Made Political Expenditures
✗ Engaged in Lobbying
✗ Operated Donor Advised Fund
✗ Maintained Art Collections
✗ Filed Form 720

Compensation of Officers, Directors & Key Employees

Total Officers
4
$176,930
Total Directors
4
$176,930
Key Employees
1
$32,790
Highest Compensated
0
reported
Name Title Hours/Week Role Reportable Comp Other Comp Total
Brandon Guthier Chairman 4
Officer Director
$0 $7,800 $77,180
Greg Warren Vice Chairman 40
Officer Director
$0 $7,800 $66,780
Brandon Luken Dirrector/employee 40
$58,200 $0 $64,700
Patricia Luken Manager Secretary 20
Officer Director Key Emp
$28,560 $4,230 $32,790
Larry Oldiges Director Treasurer 2
Officer Director
$0 $180 $180
Note: Compensation data is self-reported by the organization on their Form 990. "Reportable Comp" includes salary, bonuses, and other reportable compensation from the organization and related organizations. "Other Comp" includes benefits, deferred compensation, and non-taxable benefits.

Historical Data

Year Revenue Expenses Assets Net Income
2024 No data No data No data No data
2023 $226,996 $185,224 $7,029,036 $41,772
2022 $140,406 $159,942 $7,256,791 $-19,536
2021 $154,406 $151,852 $7,307,197 $2,554
2020 $191,363 $150,671 $6,586,969 $40,692
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