835 DECA CREDIT UNION INC (EIN 310601950) - Form 990 Financial Analysis & Trantor Score

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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

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 financial services to members/owners with a common bond.

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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%)

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

Governance

Voting Members

Independent Members

Employees

Volunteers

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

$176,930

Total Directors

$176,930

Key Employees

$32,790

Highest Compensated

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

835 DECA CREDIT UNION INC