953 GIRARD CREDIT UNION INC

EIN: 340970124

girard, OH

Total Revenue
$52,919
Total Expenses
$131,658
Total Assets
$1,961,083
Net Assets
$246,885
🔒

Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

Sign in with your work email to view Tuckman-Chang indicators

Sign In — Free (10 views/day)

Financial Trends

Organization Details

Formation Year
1960
Legal Domicile
OH
Phone
3305458811
Tax Period
2021-01-01 to 2021-12-31

953 GIRARD CREDIT UNION INC, founded in 1960, is a micro nonprofit that reported $53K in total revenue in fiscal year 2021. Revenue decreased 11% compared to the prior year. Expenses of $132K exceeded revenue, resulting in a 149% operating deficit.

Mission

Member owned non profit credit union providing members with affordable loans and good return on savings accounts

Program Service Accomplishments

Program 1
Expenses: $0 Revenue: $0

TO OFFER SAVINGS ACCOUNTS TO MEMBERS AT BETTER THAN BANK INTEREST AND PROVIDE LOANS TO MEMBERS AT ATTRACTIVE INTEREST RATES

🔒

Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

Sign in to view Trantor Score and financial metrics

Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Sign In — Free (10 views/day)

Financial Overview (2021)

Revenue Breakdown

Contributions & Grants $0
Program Service Revenue $51,710
Investment Income $1,209
Other Revenue $0
TOTAL REVENUE $52,919

Expense Breakdown

Grants Paid $0
Salaries & Benefits $20,939
Fundraising Expenses $0
Program Expenses $0
Other Expenses $110,719
TOTAL EXPENSES $131,658

Year-over-Year Comparison

2021 2020 Change
Revenue $52,919 $59,574 -0.1%
Expenses $131,658 $51,286 +1.6%
Net Income $-78,739 $8,288 -10.5%
Key Indicators
✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✗ Schedule B Required
🔒

Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

Sign in to view all financial metrics

Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

Sign In

Governance

Voting Members
6
Independent Members
6
Employees
3
Volunteers
10

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
5
$19,235
Total Directors
8
$19,235
Key Employees
0
$0
Highest Compensated
0
reported
Name Title Hours/Week Role Reportable Comp Other Comp Total
Timothy A Johnson treasurer 20
Officer Director
$11,565 $0 $11,565
Kristy Fill Treasurer/asst treasurer 15
Officer Director
$7,078 $0 $7,078
Denise deltondo President 6
Officer Director
$592 $0 $592
Peter Gabriel vice-president 1
Officer Director
$0 $0 $0
Roberta Lawrentz Secretary 1
Officer Director
$0 $0 $0
Thomas Archer trustee 1
Director
$0 $0 $0
Joyce Bowser trustee 1
Director
$0 $0 $0
Joseph Jeswald trustee 1
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
2021 $52,919 $131,658 $1,961,083 $-78,739
2020 $59,574 $51,286 $1,847,321 $8,288
Explore More Nonprofits
→Top 100 Nonprofits in Ohio →Largest U.S. Nonprofits →Best Rated Nonprofits →Most Efficient Nonprofits

Compare 953 GIRARD CREDIT UNION INC with other nonprofits in Ohio and across the country.

We Value Your Privacy
We use cookies and similar technologies to analyze site traffic and improve your experience. By clicking "Accept All", you consent to our use of cookies for analytics and measurement.