TAPPAN COMMUNITY 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

1935

Legal Domicile

Principal Officer

CONNIE DEVAULT

Phone

4195261616

Tax Period

2025-01-01 to 2025-12-31

TAPPAN COMMUNITY CREDIT UNION INC, founded in 1935, is a small nonprofit that reported $446K in total revenue in fiscal year 2025. Expenses of $406K left a modest 9% surplus.

Mission

CREDIT UNION - PROVIDES A VARIETY OF FINANCIAL SERVICES TO ITS MEMBERS AND COMMUNITY GROUPS IN ACCORDANCE WITH OHIO CODE SECTION 1733 05, ANY PERSON (S) WHO RESIDE, WORK, ATTEND SCHOOL OR WORSHIP IN RICHLAND COUNTY, OHIO.

Program Service Accomplishments

Program 1

TAPPAN CREDIT UNION PROVIDES A VARIETY OF FINANCIAL SERVICES TO ITS MEMBERS AND COMMUNITY GROUPS IN ACCORDANCE WITH OHIO REVISED CODE SECTION 1733.05, ANY PERSON(S) WHO RESIDE, WORK, ATTEND SCHOOL OR...

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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 (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $301,140

Investment Income $144,392

Other Revenue $0

TOTAL REVENUE $445,532

Expense Breakdown

Grants Paid $0

Salaries & Benefits $145,431

Fundraising Expenses $0

Other Expenses $260,586

TOTAL EXPENSES $406,017

Year-over-Year Comparison

	2025	2024	Change
Revenue	$445,532	$442,056	+0.0%
Expenses	$406,017	$441,599	-0.1%
Net Income	$39,515	$457	+85.5%

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DANIEL DICKMAN	BOARD MEMBER	0.25	Director	$0	$0	$0
ROBERT HARVEY	BOARD MEMBER	0.25	Director	$0	$0	$0
MICHELLE JACOBS	PRESIDENT	0.25	Officer Director	$0	$0	$0
KATHLEEN SHAMBRE	SECRETARY/TR	0.25	Officer Director	$0	$0	$0
MATTHEW SMALL	VICE PRESIDE	0.25	Officer Director	$0	$0	$0
TOM VANHARLINGEN	BOARD MEMBER	0.25	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
2025	$445,532	$406,017	$8,067,951	$39,515
2024	No data	No data	No data	No data
2023	$433,409	$443,348	$8,908,350	$-9,939
2022	$309,212	$373,187	$10,195,045	$-63,975
2021	$281,117	$409,473	$10,187,654	$-128,356
2020	$303,011	$367,751	$9,771,015	$-64,740
2019	$334,759	$392,150	$9,910,236	$-57,391
2018	$327,679	$356,515	$11,284,336	$-28,836