333 GOLDEN CIRCLE 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

1940

Legal Domicile

Principal Officer

Jeffrey McClain

Phone

3304793130

Tax Period

2023-01-01 to 2023-12-31

333 GOLDEN CIRCLE CREDIT UNION INC, founded in 1940, is a community nonprofit that reported $5.0M in total revenue in fiscal year 2023. Revenue surged 74% from the prior year, signaling strong growth momentum. Expenses of $4.9M left a modest 3% surplus.

Mission

To provide lending, savings, and other financial services to its qualifying members at terms generally better than available in the marketplace and with a service based emphasis that recognizes the members status as owners.

Program Service Accomplishments

Program 1

Dividends paid to members on approximately 10,000 deposit accounts held by approximately 7,000 members

Program 2

Direct labor and employee benefit costs providing savings deposit services, originating new loans, and servicing the loan portfolio of members.

Program 3

Data processing costs incurred recording member account activity and providing member's access to their accounts in person at credit union offices or electronic access through home banking, ATM...

Data processing costs incurred recording member account activity and providing member's access to their accounts in person at credit union offices or electronic access through home banking, ATM networks, and Visa debit and credit networks.

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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 $3,410,446

Investment Income $1,634,520

Other Revenue $0

TOTAL REVENUE $5,044,966

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,970,481

Fundraising Expenses $0

Program Expenses $0

Other Expenses $2,600,830

TOTAL EXPENSES $4,877,325

Year-over-Year Comparison

	2023	2022	Change
Revenue	$5,044,966	$2,904,500	+0.7%
Expenses	$4,877,325	$2,853,426	+0.7%
Net Income	$167,641	$51,074	+2.3%

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

N/A

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

$78,962

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Tera Wentling	CEO	60	Key Emp	$78,962	$0	$78,962
John Capron	Director	2	Director	$0	$0	$0
Ray Trivoli	Director	2	Director	$0	$0	$0
Sherman Oyer	Director	2	Director	$0	$0	$0
William Dixon	Director	2	Officer	$0	$0	$0
Patrick Scarry	Director	2	Officer	$0	$0	$0
Donna Jones	Director	2	Officer	$0	$0	$0
Lucinda Lee	Director	2	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
2024	No data	No data	No data	No data
2023	$5,044,966	$4,877,325	$110,485,837	$167,641
2022	$2,904,500	$2,853,426	$95,919,122	$51,074
2021	$2,782,858	$2,708,625	$95,097,514	$74,233
2020	$3,234,371	$3,468,464	$93,874,059	$-234,093
2019	$3,449,335	$3,304,955	$87,597,275	$144,380
2018	$3,346,131	$3,125,969	$86,288,290	$220,162