1291 CINCINNATI EMPLOYEES CREDIT UNION INC

EIN: 310965142

HARRISON, OH

Total Revenue
$989,885
Total Expenses
$977,804
Total Assets
$33,180,736
Net Assets
$3,550,539
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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
1979
Legal Domicile
OH
Principal Officer
Christan Eldridge
Phone
5133674495
Tax Period
2023-01-01 to 2023-12-31

1291 CINCINNATI EMPLOYEES CREDIT UNION INC, founded in 1979, is a small nonprofit that reported $990K in total revenue in fiscal year 2023. Revenue grew 14% year-over-year, indicating healthy expansion. Net assets of $3.6M represent 43 months of operating reserves.

Mission

TO PROVIDE QUALITY FINANCIAL SERVICES INCLUDING SAVINGS AND LOAN SERVICES, TO MEMBERS WHO QUALIFY FOR OUR FIELD OF MEMBERSHIP.

Program Service Accomplishments

Program 1

Dividends paid to members on approximately 1700 accounts.

Program 2

Compensation of staff. This includes compensation of directors and other salaries.

Program 3

Staff benefits, including Social Security Taxes, Unemployment Taxes and Retirement.

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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%)

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Financial Overview (2023)

Revenue Breakdown

Contributions & Grants $0
Program Service Revenue $739,169
Investment Income $250,716
Other Revenue $0
TOTAL REVENUE $989,885

Expense Breakdown

Grants Paid $0
Salaries & Benefits $325,574
Fundraising Expenses $0
Program Expenses $0
Other Expenses $308,999
TOTAL EXPENSES $977,804

Year-over-Year Comparison

2023 2022 Change
Revenue $989,885 $865,874 +0.1%
Expenses $977,804 $821,663 +0.2%
Net Income $12,081 $44,211 -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

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Governance

Voting Members
7
Independent Members
7
Employees
5
Volunteers
15

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
7
$0
Total Directors
0
$0
Key Employees
0
$0
Highest Compensated
1
reported
Name Title Hours/Week Role Reportable Comp Other Comp Total
CHRISTAN ELDRIDGE MANAGER 50
Highest
$105,131 $0 $105,131
RAYMOND A BURKE TREASURER 5
Officer
$0 $0 $0
DUSTIN BAUER PRESIDENT 0.50
Officer
$0 $0 $0
THOMAS BRACKETT VICE PRESIDENT 0.50
Officer
$0 $0 $0
LINDA LITZLER BOARD MEMBER 0.50
Officer
$0 $0 $0
DOUG DISTLER SECRETARY 0.50
Officer
$0 $0 $0
BILL LANE BOARD MEMBER 0.50
Officer
$0 $0 $0
CHRISTIAN CONRAD BOARD MEMBER 0.50
Officer
$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
2025 No data No data No data No data
2024 No data No data No data No data
2023 $989,885 $977,804 $33,180,736 $12,081
2022 $865,874 $821,663 $33,679,495 $44,211
2021 $782,527 $772,370 $31,154,803 $10,157
2020 $813,159 $789,870 $29,228,702 $23,289
2019 $848,614 $729,874 $26,408,104 $118,740
2018 $840,218 $758,084 $27,083,764 $82,134
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