Edison Credit Union Inc (EIN 310707082) - 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

1964

Legal Domicile

Principal Officer

Herb Bushu

Phone

9373253582

Tax Period

2019-01-01 to 2019-12-31

Edison Credit Union Inc, founded in 1964, is a small nonprofit that reported $254K in total revenue in fiscal year 2019.

Mission

The credit union is a member-owned financial organization whose commitment is to provide the best financial service to existing and future members, while maintaining safety, security and soundness.

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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 (2019)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $227,169

Investment Income $27,203

Other Revenue $0

TOTAL REVENUE $254,372

Expense Breakdown

Grants Paid $0

Salaries & Benefits $129,032

Fundraising Expenses $0

Program Expenses $0

Other Expenses $133,614

TOTAL EXPENSES $262,646

Year-over-Year Comparison

	2019	2018	Change
Revenue	$254,372	$254,246	+0.0%
Expenses	$262,646	$268,853	0.0%
Net Income	$-8,274	$-14,607	-0.4%

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

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Nancy Gregory	Board Director	0.50	Director	$0	$0	$0
Edward Wadsworth	Board Director	0.50	Director	$0	$0	$0
Allan Carleton	Board Director	0.50	Director	$0	$0	$0
Tim Suter	Board Treasurer	0.50	Officer Director	$0	$0	$0
Constance Wilcox	Board Secretary	0.75	Officer Director	$0	$0	$0
Benjamin Miller	Board Vice President	0.50	Officer Director	$0	$0	$0
Herb Bushu	Board President	0.50	Officer 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
2019	$254,372	$262,646	$3,801,817	$-8,274
2018	$254,246	$268,853	$4,144,781	$-14,607

Edison Credit Union Inc