1134 CREDIT UNION OF OHIO (EIN 310733646) - 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

1967

Legal Domicile

Principal Officer

RICHARD CAPUANO JR

Phone

6144876650

Tax Period

2024-01-01 to 2024-12-31

1134 CREDIT UNION OF OHIO, founded in 1967, is a mid-sized nonprofit that reported $11.9M in total revenue in fiscal year 2024. Revenue grew 8% year-over-year, indicating healthy expansion.

Mission

PROMOTE THRIFT AND CREDIT TO ITS MEMBERSHIP

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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 $9,453,102

Investment Income $2,443,082

Other Revenue $0

TOTAL REVENUE $11,896,184

Expense Breakdown

Grants Paid $0

Salaries & Benefits $4,575,036

Fundraising Expenses $0

Other Expenses $7,222,757

TOTAL EXPENSES $11,797,793

Year-over-Year Comparison

	2024	2023	Change
Revenue	$11,896,184	$11,001,955	+0.1%
Expenses	$11,797,793	$10,623,122	+0.1%
Net Income	$98,391	$378,833	-0.7%

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

$1,104,621

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
SYLVESTER PATTON	BOARD TREASURER	1.00	Officer Director	$0	$0	$0
ELIZABETH CHASE	BOARD SECRETARY	1.00	Officer Director	$0	$0	$0
DANNY BAILEY	DIRECTOR	1.00	Director	$0	$0	$0
DEBRA LAWVER	BOARD VICE CHAIR	1.00	Officer Director	$0	$0	$0
ARISTOTLE HUTRAS	BOARD CHAIR	1.00	Officer Director	$0	$0	$0
JONNA SAUL-ANDERSON	DIRECTOR	1.00	Director	$0	$0	$0
TAHSIN HASAN	DIRECTOR	1.00	Director	$0	$0	$0
RICHARD CAPUANO	CEO	40.00	Officer	$379,969	$79,243	$459,212
KAREN ROSE	SVP FINANCE	40.00	Officer	$164,651	$39,598	$204,249
TONYA KEATON	EXECUTIVE VICE PRESIDENT	40.00	Officer	$191,369	$42,055	$233,424
JILL GERSCHUTZ	SENIOR VICE PRESIDENT	40.00	Officer	$155,408	$52,328	$207,736

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	$11,896,184	$11,797,793	$206,289,903	$98,391
2023	$11,001,955	$10,623,122	$209,339,957	$378,833
2022	$9,292,003	$8,906,405	$216,113,197	$385,598
2021	$8,147,622	$8,024,305	$200,863,666	$123,317
2020	$8,350,779	$8,095,843	$183,994,882	$254,936
2019	$8,478,400	$8,101,810	$141,776,966	$376,590
2018	$8,084,523	$7,783,043	$138,705,283	$301,480

1134 CREDIT UNION OF OHIO