953 GIRARD CREDIT UNION INC (EIN 340970124) - 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

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

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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 (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

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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

$19,235

Total Directors

$19,235

Key Employees

Highest Compensated

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

953 GIRARD CREDIT UNION INC