471 ANTIOCH CREDIT UNION INC

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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

1947

Legal Domicile

Principal Officer

ALICIA GREEN

Phone

2164218885

Tax Period

2025-01-01 to 2025-12-31

471 ANTIOCH CREDIT UNION INC, founded in 1947, is a micro nonprofit that reported $86K in total revenue in fiscal year 2025. Revenue decreased 15% compared to the prior year. Expenses of $100K exceeded revenue, resulting in a 16% operating deficit.

Mission

PROVIDES LENDING, SAVINGS AND OTHER SERVICES TO ITS QUALIFIED MEMBERS AT TERMS GENERALLY BETTER THAN AVAILABLE IN THE MARKETPLACE WITH A "SERVICE BASED EMPHASIS" THAT RECOGNIZE THE MEMBER STATUS AS"OWNERS"

Program Service Accomplishments

Program 1

DIVIDENDS AND INTEREST PAID TO MEMBERS ON APPROXIMATELY 997 DEPOSIT ACCOUNTS HELD BY APPROXIMATELY 738 MEMBERS. DIRECT LABOR AND EMPLOYEE BENEFIT COSTS INCURRED PROVIDING SAVINGS DEPOSIT SERVICES...

DIVIDENDS AND INTEREST PAID TO MEMBERS ON APPROXIMATELY 997 DEPOSIT ACCOUNTS HELD BY APPROXIMATELY 738 MEMBERS. DIRECT LABOR AND EMPLOYEE BENEFIT COSTS INCURRED PROVIDING SAVINGS DEPOSIT SERVICES, ORIGINATION OF LOANS AND SERVICING OF LOAN PORTFOLIO ACTIVITY FOR MEMBERS. DATA PROCESSING COSTS INCURRED RECORDING MEMBER ACCOUNT ACTIVITY AND PROVIDING ACCESS TO MEMBERS TO THEIR ACCOUNTS VIA ATM NETWORKS AND IN PERSON AT THE CREDIT UNION OFFICE.

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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 $0

Program Service Revenue $42,599

Investment Income $43,414

Other Revenue $0

TOTAL REVENUE $86,013

Expense Breakdown

Grants Paid $0

Salaries & Benefits $25,468

Fundraising Expenses $0

Program Expenses $0

Other Expenses $74,051

TOTAL EXPENSES $99,519

Year-over-Year Comparison

	2025	2024	Change
Revenue	$86,013	$101,731	-0.2%
Expenses	$99,519	$94,945	+0.0%
Net Income	$-13,506	$6,786	-3.0%

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

N/A

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

$33,800

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ALICIA GREEN	TREASURER MANAGER	26	Director	$16,900	$16,900	$33,800
LARRY WAGNER	PRESIDENT	6	Director	$0	$0	$0
JUANITA GLYMPH	VICE PRESIDENT	3.0	Director	$0	$0	$0
ROBERT SMEDLEY	2ND VICE PRESIDENT	1.5	Director	$0	$0	$0
BARBARA MOORE	SECRETARY	0.5	Director	$0	$0	$0
MARVIN HALE	DIRECTOR	3.0	Director	$0	$0	$0
EDNA WILLIAMS	DIRECTOR	3.5	Director	$0	$0	$0
DORETHA GRANT	DIRECTOR	5	Director	$0	$0	$0
LONNIE CARMICLE	DIRECTOR	2	Director	$0	$0	$0
GLORIA MATTHEWS	DIRECTOR	1	Director	$0	$0	$0
BERNARD BUTLER	DIRECTOR	2.0	Director	$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	$86,013	$99,519	$2,721,156	$-13,506
2024	$101,731	$94,945	$3,146,132	$6,786
2023	$98,518	$91,871	$3,314,318	$6,647
2022	$75,856	$89,072	$3,571,607	$-13,216
2021	$55,807	$91,549	$3,447,158	$-35,742
2020	$72,197	$95,709	$3,139,772	$-23,512