TLCU FINANCIAL (EIN 350932142) - 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

1997

Legal Domicile

Principal Officer

CAROL SMITH

Phone

5742553193

Tax Period

2025-01-01 to 2025-12-31

TLCU FINANCIAL, founded in 1997, is a community nonprofit that reported $3.3M in total revenue in fiscal year 2025. Revenue grew 14% year-over-year, indicating healthy expansion. The organization ran a surplus of $627K, a strong 19% operating margin.

Mission

STATE CHARTERED CREDIT UNION

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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 $1,993,660

Investment Income $1,302,561

Other Revenue $0

TOTAL REVENUE $3,296,221

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,072,108

Fundraising Expenses $0

Program Expenses $2,669,709

Other Expenses $1,597,601

TOTAL EXPENSES $2,669,709

Year-over-Year Comparison

	2025	2024	Change
Revenue	$3,296,221	$2,900,629	+0.1%
Expenses	$2,669,709	$2,221,887	+0.2%
Net Income	$626,512	$678,742	-0.1%

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

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

$238,452

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DERIC EGGELSTON	CHAIR	1.00	Officer Director	$0	$0	$0
JANET DONATH	TREASURER/SECRETARY	1.00	Officer Director	$0	$0	$0
VICTOR KASZNIA	VICE CHAIR	1.00	Officer Director	$0	$0	$0
JAMES LEEPER	DIRECTOR	1.00	Director	$0	$0	$0
CONSTANTINE IANTRIA	DIRECTOR	1.00	Director	$0	$0	$0
KENDRA FLECKNER	PRESIDENT/CEO	40.00	Officer	$132,010	$21,686	$153,696
CAROL SMITH	VP ACCOUNTING	40.00	Officer	$79,352	$5,404	$84,756

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	$3,296,221	$2,669,709	$57,288,500	$626,512
2024	$2,900,629	$2,221,887	$53,103,297	$678,742
2023	$2,457,342	$1,940,962	$52,982,586	$516,380
2022	$1,985,113	$1,600,921	$53,743,752	$384,192
2021	$2,018,780	$1,630,838	$51,688,709	$387,942
2020	$1,735,841	$1,480,836	$45,471,400	$255,005
2019	$1,769,863	$1,422,382	$37,172,415	$347,481
2018	$1,609,302	$1,339,500	$36,502,041	$269,802

TLCU FINANCIAL