0859 ATRIUM CREDIT UNION INC (EIN 310622088) - 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

Cindy Cottongim

Phone

5139745179

Tax Period

2024-01-01 to 2024-12-31

0859 ATRIUM CREDIT UNION INC, founded in 1958, is a small nonprofit that reported $594K in total revenue in fiscal year 2024. Expenses of $512K left a modest 14% surplus.

Mission

Atrium Credit Union, Inc. is a financial institution cooperative organized to provide loan and deposit products and services to the member owners.

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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 (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $343,601

Investment Income $250,692

Other Revenue $0

TOTAL REVENUE $594,293

Expense Breakdown

Grants Paid $0

Salaries & Benefits $243,804

Fundraising Expenses $0

Program Expenses $429,699

Other Expenses $268,097

TOTAL EXPENSES $511,901

Year-over-Year Comparison

	2024	2023	Change
Revenue	$594,293	$573,306	+0.0%
Expenses	$511,901	$480,920	+0.1%
Net Income	$82,392	$92,386	-0.1%

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

Total Directors

Key Employees

$104,724

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Cynthia Cottongim	Chief Executive Officer	40	Key Emp Highest	$99,324	$5,400	$104,724
Amy Newland	Chairperson of Board	2	Director	$0	$0	$0
Donna Banks	Vice Chairperson of Board	2	Director	$0	$0	$0
Jeff Reynolds	Treasurer of Board	2	Director	$0	$0	$0
Sandra Snowden	Secretary of Board	2	Director	$0	$0	$0
Greg Hellmann	Director	2	Director	$0	$0	$0
Linda Howard	Director	2	Director	$0	$0	$0
Douglas Koenig	Director	2	Director	$0	$0	$0
Marquita Turner	Director	2	Director	$0	$0	$0
Deborah Branscomb	Director	2	Director	$0	$0	$0

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	$594,293	$511,901	$11,095,594	$82,392
2023	$573,306	$480,920	$10,881,882	$92,386
2022	$517,509	$494,754	$11,733,536	$22,755
2021	$377,484	$447,293	$11,412,128	$-69,809
2020	$390,735	$431,938	$10,437,573	$-41,203
2019	$475,230	$445,751	$8,869,550	$29,479
2018	$462,236	$427,184	$8,949,478	$35,052

0859 ATRIUM CREDIT UNION INC