THE PERFECT CIRCLE CREDIT UNION (EIN 356020587) - 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

1932

Legal Domicile

Principal Officer

Joshua Haney

Phone

7654894571

Tax Period

2024-01-01 to 2024-12-31

THE PERFECT CIRCLE CREDIT UNION, founded in 1932, is a community nonprofit in the Public & Societal Benefit sector that reported $3.6M in total revenue in fiscal year 2024. Expenses of $3.4M left a modest 5% surplus.

Mission

Cooperative Financial Institution

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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 (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $1,733,837

Investment Income $727,227

Other Revenue $1,152,082

TOTAL REVENUE $3,613,146

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,353,059

Fundraising Expenses $0

Program Expenses $0

Other Expenses $2,072,144

TOTAL EXPENSES $3,425,203

Year-over-Year Comparison

	2024	2023	Change
Revenue	$3,613,146	$3,385,552	+0.1%
Expenses	$3,425,203	$3,271,528	+0.0%
Net Income	$187,943	$114,024	+0.6%

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

$117,016

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Joshua Haney	President	40	Key Emp	$117,016	$0	$117,016
Tina Davis	Chairperson	1	Director	$0	$0	$0
Tim Reagan	Vice Chairperson	1	Director	$0	$0	$0
Jason Moore	Secretary - Treasurer	1	Director	$0	$0	$0
Joe Backmeyer	Director	1	Director	$0	$0	$0
Brad Crowe Sr	Director	1	Director	$0	$0	$0
Michael Cunningham	Associate Director	1	Director	$0	$0	$0
Bradley Cunningham	Associate Director	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
2025	No data	No data	No data	No data
2024	$3,613,146	$3,425,203	$62,113,358	$187,943
2023	$3,385,552	$3,271,528	$61,836,622	$114,024
2022	$3,206,020	$2,910,959	$66,207,125	$295,061
2021	$3,163,051	$2,865,182	$66,890,396	$297,869
2020	$3,287,860	$3,051,373	$62,805,681	$236,487
2018	$3,332,591	$3,171,800	$53,685,153	$160,791

THE PERFECT CIRCLE CREDIT UNION