COMMUNITY SPIRIT CREDIT UNION (EIN 350852399) - Form 990 Financial Analysis & Trantor Score

🔒

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

Financial Trends

Organization Details

Formation Year

1937

Legal Domicile

Principal Officer

TAMARA BRETT

Phone

8125370928

Tax Period

2024-01-01 to 2024-12-31

COMMUNITY SPIRIT CREDIT UNION, founded in 1937, is a small nonprofit in the Public & Societal Benefit sector that reported $981K in total revenue in fiscal year 2024. Net assets of $2.2M represent 26 months of operating reserves.

Mission

STATE CHARTERED CREDIT UNION

🔒

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%)

Financial Overview (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $889,615

Investment Income $91,013

Other Revenue $0

TOTAL REVENUE $980,628

Expense Breakdown

Grants Paid $0

Salaries & Benefits $295,081

Fundraising Expenses $0

Program Expenses $997,729

Other Expenses $702,648

TOTAL EXPENSES $997,729

Year-over-Year Comparison

	2024	2023	Change
Revenue	$980,628	$995,529	0.0%
Expenses	$997,729	$1,039,199	0.0%
Net Income	$-17,101	$-43,670	-0.6%

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

Governance

Voting Members

Independent Members

Employees

Volunteers

N/A

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

$66,226

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CHRISTINE ARNETT	CHAIR	1.00	Officer Director	$0	$0	$0
MIKE NOEL	VICE CHAIR	1.00	Officer Director	$0	$0	$0
KEVIN RENNIER	SECRETARY	1.00	Officer Director	$0	$0	$0
PATRICIA BAKER	TREASURER	1.00	Officer Director	$0	$0	$0
DYLAN LIDDLE	DIRECTOR	1.00	Director	$0	$0	$0
MORGAN HEDRICK	DIRECTOR	1.00	Director	$0	$0	$0
PAUL GIBSON	DIRECTOR	1.00	Director	$0	$0	$0
TAMARA BRETT	CEO	40.00	Officer	$66,226	$0	$66,226

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	No data	No data	No data	No data
2024	$980,628	$997,729	$21,021,689	$-17,101
2023	$995,529	$1,039,199	$19,688,809	$-43,670
2022	$887,743	$759,314	$17,946,095	$128,429
2021	$787,282	$672,551	$16,223,433	$114,731
2020	$675,184	$632,847	$14,605,387	$42,337
2019	$682,727	$817,007	$12,685,699	$-134,280
2018	$689,995	$801,876	$13,039,947	$-111,881

COMMUNITY SPIRIT CREDIT UNION