1385 KH CREDIT UNION (EIN 310714622) - 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

BRADLEY MADER

Phone

9375589070

Tax Period

2023-01-01 to 2023-12-31

1385 KH CREDIT UNION, founded in 1964, is a community nonprofit that reported $3.7M in total revenue in fiscal year 2023. Revenue grew 17% year-over-year, indicating healthy expansion. Expenses of $3.2M left a modest 14% surplus.

Mission

TO PROVIDE QUALITY FINANCIAL SERVICES TO MEMBERS.

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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 $3,191,077

Investment Income $553,715

Other Revenue $0

TOTAL REVENUE $3,744,792

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,184,198

Fundraising Expenses $0

Other Expenses $2,045,627

TOTAL EXPENSES $3,229,825

Year-over-Year Comparison

	2023	2022	Change
Revenue	$3,744,792	$3,197,075	+0.2%
Expenses	$3,229,825	$2,811,402	+0.1%
Net Income	$514,967	$385,673	+0.3%

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

$160,538

Total Directors

$160,538

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
BRADLEY MADER	PRESIDENT/TREASURER	40.00	Officer Director	$160,538	$0	$160,538
CATHERINE HEATH	BOARD MEMBER	0.00	Director	$0	$0	$0
MICHAEL MEWHIRTER	BOARD MEMBER	0.00	Director	$0	$0	$0
MATTHEW DABBELT	BOARD VICE CHAIR	0.00	Director	$0	$0	$0
PEGGY SMITH	BOARD MEMBER	0.00	Director	$0	$0	$0
JOSEPH FELLER	BOARD SECRETARY	0.00	Officer Director	$0	$0	$0
MICHAEL BERRY	BOARD MEMBER	0.00	Director	$0	$0	$0
KRYSTI JORDAN	BOARD CHAIR	0.00	Officer Director	$0	$0	$0
DONALD GROFF	BOARD MEMBER	0.00	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	No data	No data	No data	No data
2023	$3,744,792	$3,229,825	$70,769,165	$514,967
2022	$3,197,075	$2,811,402	$75,041,078	$385,673
2021	$3,127,757	$2,767,833	$72,778,756	$359,924
2020	$3,446,225	$3,111,089	$66,646,368	$335,136
2019	$3,453,175	$3,276,974	$55,065,976	$176,201
2018	$3,156,192	$2,791,946	$53,617,032	$364,246

1385 KH CREDIT UNION