YOUNGSTOWN CITY SCHOOLS CREDIT UNION INC (EIN 340634450) - 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

1993

Legal Domicile

Principal Officer

JOHN DEMMLER

Phone

8007757741

Tax Period

2023-01-01 to 2023-11-30

YOUNGSTOWN CITY SCHOOLS CREDIT UNION INC, founded in 1993, is a small nonprofit that reported $220K in total revenue in fiscal year 2023. Revenue grew 9% year-over-year, indicating healthy expansion. Expenses of $210K left a modest 5% surplus.

Mission

A FINANCIAL COOPERATIVE/CREDIT UNION ORGANIZED TO PROVIDE ITS MEMBERS WITH LOW INTEREST LOANS AND PROMOTE SAVINGS AMONG ITS 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 $132,649

Investment Income $86,429

Other Revenue $1,298

TOTAL REVENUE $220,376

Expense Breakdown

Grants Paid $0

Salaries & Benefits $83,424

Fundraising Expenses $0

Program Expenses $210,454

Other Expenses $127,030

TOTAL EXPENSES $210,454

Year-over-Year Comparison

	2023	2022	Change
Revenue	$220,376	$202,121	+0.1%
Expenses	$210,454	$222,020	-0.1%
Net Income	$9,922	$-19,899	-1.5%

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

$31,399

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JOHN GRAHOVAC	DIRECTOR	1.00	Director	$0	$0	$0
CATHERINE CAMPANA	SECRETARY	1.00	Officer Director	$0	$0	$0
HILDA MCKEE	VICE PRESIDENT	1.00	Officer Director	$0	$0	$0
RUTH FLETCHER	PRESIDENT	1.00	Officer Director	$0	$0	$0
GEORGE PHILLIPS	DIRECTOR	1.00	Director	$0	$0	$0
MARVA STUBBS	DIRECTOR	1.00	Director	$0	$0	$0
TERESA MORELLA	ASST. TREASURER	40.00	Officer	$28,649	$0	$28,649
GARY CAPONE	TREASURER	2.00	Officer	$2,750	$0	$2,750

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
2023	$220,376	$210,454	No data	$9,922
2022	$202,121	$222,020	$7,796,449	$-19,899
2021	$194,563	$187,183	$8,073,139	$7,380
2020	$228,230	$205,289	$8,038,339	$22,941
2019	$239,297	$201,652	$7,876,831	$37,645

YOUNGSTOWN CITY SCHOOLS CREDIT UNION INC