GREATER CLEVELAND COMMUNITY CREDIT UNION INC (EIN 340709014) - 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

1937

Legal Domicile

Principal Officer

Darren Wilson

Phone

2166642217

Tax Period

2025-01-01 to 2025-12-31

GREATER CLEVELAND COMMUNITY CREDIT UNION INC, founded in 1937, is a community nonprofit that reported $1.0M in total revenue in fiscal year 2025. Revenue decreased 8% compared to the prior year.

Mission

GCCCU is a credit union that provides financial services to its owner/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 (2025)

Revenue Breakdown

Contributions & Grants $446

Program Service Revenue $877,865

Investment Income $140,540

Other Revenue $0

TOTAL REVENUE $1,018,851

Expense Breakdown

Grants Paid $0

Salaries & Benefits $407,706

Fundraising Expenses $0

Program Expenses $1,016,851

Other Expenses $550,802

TOTAL EXPENSES $1,016,851

Year-over-Year Comparison

	2025	2024	Change
Revenue	$1,018,851	$1,105,048	-0.1%
Expenses	$1,016,851	$1,087,614	-0.1%
Net Income	$2,000	$17,434	-0.9%

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

$180,335

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Steve Sims	President/CEO	40	Key Emp Highest	$103,045	$0	$103,045
Darren Wilson	CFO	40	Key Emp	$77,290	$0	$77,290
Gregory Perryman	Board Chair	1	Officer Director	$0	$0	$0
Robin Brown	Vice Chair	1	Officer Director	$0	$0	$0
Neida Miller	Board Secretary	1	Officer Director	$0	$0	$0
James McManamon	Treasurer	1	Officer Director	$0	$0	$0
Ozell Dobbins III	Director	1	Director	$0	$0	$0
Simon Mastroianni	Director	1	Director	$0	$0	$0
Lonya Moss-Walker	Director	1	Director	$0	$0	$0
Venita Sanders	Director	1	Director	$0	$0	$0
Russell Brown III	Director	1		$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	$1,018,851	$1,016,851	$9,355,660	$2,000
2024	$1,105,048	$1,087,614	$9,699,681	$17,434
2023	$1,239,904	$1,189,445	$9,179,240	$50,459
2022	$1,607,906	$1,227,026	$9,546,630	$380,880
2021	$1,758,780	$998,935	$9,968,746	$759,845
2020	$822,066	$941,635	$7,938,701	$-119,569

GREATER CLEVELAND COMMUNITY CREDIT UNION INC