1291 CINCINNATI EMPLOYEES CREDIT UNION INC (EIN 310965142) - 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

1979

Legal Domicile

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

THE CREDIT UNION'S MISSION IS TO PROVIDE FINANCIAL SERVICES TO EMPLOYEES, RETIREES AND FAMILY MEMBERS OF CINCINNATI INCORPORATED, A MACHINE TOOL MANUFACTURER LOCATED IN HARRISON OHIO.

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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 $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

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
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

1291 CINCINNATI EMPLOYEES CREDIT UNION INC