OHIO VALLEY COMMUNITY FEDERAL CREDIT UNION (EIN 340871103) - 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

1960

Legal Domicile

Principal Officer

Gregory Harper

Phone

7404832279

Tax Period

2018-01-01 to 2018-12-31

OHIO VALLEY COMMUNITY FEDERAL CREDIT UNION, founded in 1960, is a community nonprofit that reported $6.9M in total revenue in fiscal year 2018. Revenue surged 24% from the prior year, signaling strong growth momentum. The organization ran a surplus of $1.4M, a strong 20% operating margin.

Mission

To provide lending, saving and other financial services to our qualifying members at terms generally better than available in the marketplace with a service based emphasis that recognizes the member-owner status

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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 (2018)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $6,062,271

Investment Income $832,224

Other Revenue $4,940

TOTAL REVENUE $6,899,435

Expense Breakdown

Grants Paid $0

Salaries & Benefits $2,156,956

Fundraising Expenses $0

Program Expenses $0

Other Expenses $3,371,720

TOTAL EXPENSES $5,528,676

Year-over-Year Comparison

	2018	2017	Change
Revenue	$6,899,435	$5,546,985	+0.2%
Expenses	$5,528,676	$4,633,282	+0.2%
Net Income	$1,370,759	$913,703	+0.5%

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

$149,000

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
RL Jones	Board Chair	1	Director	$0	$0	$0
Mark Fawcett	1st Vice Chair	1	Director	$0	$0	$0
David Schnegg	2nd Vice Chair	1	Director	$0	$0	$0
Karl Brookover	Financial Officer	1	Director	$0	$0	$0
Herbert Miller	Secretary	1	Director	$0	$0	$0
Harold McClain	Director	1	Director	$0	$0	$0
Frank Shepherd	Director	1	Director	$0	$0	$0
Gregory Harper	CEO	40	Officer	$149,000	$0	$149,000

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
2018	$6,899,435	$5,528,676	No data	$1,370,759

OHIO VALLEY COMMUNITY FEDERAL CREDIT UNION