COLUMBIANA COUNTY SCHOOL EMP CU

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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

1955

Legal Domicile

Principal Officer

JEANNETTE MARRA

Phone

3304249649

Tax Period

2023-01-01 to 2023-12-31

COLUMBIANA COUNTY SCHOOL EMP CU, founded in 1955, is a small nonprofit that reported $281K in total revenue in fiscal year 2023. Revenue surged 25% from the prior year, signaling strong growth momentum. Expenses of $240K left a modest 15% surplus.

Mission

THE PURPOSE OF THIS CREDIT UNION SHALL BE TO PROMOTE THRIFT AND TO PROVIDE CREDIT FOR ITS MEMBERS.

Program Service Accomplishments

Program 1

PROVIDE REASONABLY PRICED FINANCIAL AND CREDIT SERVICES TO 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 $166,505

Investment Income $114,836

Other Revenue $116

TOTAL REVENUE $281,457

Expense Breakdown

Grants Paid $0

Salaries & Benefits $144,754

Fundraising Expenses $0

Other Expenses $95,103

TOTAL EXPENSES $239,857

Year-over-Year Comparison

	2023	2022	Change
Revenue	$281,457	$225,396	+0.2%
Expenses	$239,857	$219,480	+0.1%
Net Income	$41,600	$5,916	+6.0%

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

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

$58,184

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JEANNETTE MARRA	GENERAL MANAGER/TREASURER/	40.00	Officer	$58,184	$0	$58,184
ROBERT F MARRA	PRESIDENT BOARD OF DIRECTORS	0.00	Officer Director	$0	$0	$0
WAYNE CHRISTEN	VICE PRESIDENT BOARD OF DIRECTORS	0.00	Officer Director	$0	$0	$0
ELIZABETH GOERIG	DIRECTOR	0.00	Director	$0	$0	$0
JAMIEL RADMAN	DIRECTOR	0.00	Director	$0	$0	$0
JOY DAILEY	DIRECTOR	0.00	Director	$0	$0	$0
JUDY KELM	DIRECTOR	0.00	Director	$0	$0	$0
RUTH FLOOR	DIRECTOR	0.00	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
2024	No data	No data	No data	No data
2023	$281,457	$239,857	$7,574,285	$41,600
2022	$225,396	$219,480	$9,090,889	$5,916
2021	$240,564	$232,835	$9,548,841	$7,729
2020	$299,777	$297,915	$9,006,926	$1,862
2019	$335,736	$257,992	$8,676,367	$77,744
2018	$360,972	$294,934	$8,508,658	$66,038