JACKSON COUNTY CO-OP CREDIT UNION

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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

1955

Legal Domicile

Principal Officer

KRISTINA MCINTOSH

Phone

8125231630

Tax Period

2023-01-01 to 2023-12-31

JACKSON COUNTY CO-OP CREDIT UNION, founded in 1955, is a community nonprofit that reported $1.7M in total revenue in fiscal year 2023. Revenue surged 34% from the prior year, signaling strong growth momentum. The organization ran a surplus of $396K, a strong 23% operating margin.

Mission

STATE CHARTERED CREDIT UNION PROVIDING COMPETITIVE AND REASONABLY PRICED LOAN AND SAVING SERVICES TO APPROXIMATELY 1,042 MEMBERS.

Program Service Accomplishments

Program 1

PROVIDE SAVINGS AND LOAN PRODUCTS TO APPROXIMATELY 1,042 MEMBERS.

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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 (2023)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $1,219,208

Investment Income $343,850

Other Revenue $178,494

TOTAL REVENUE $1,741,552

Expense Breakdown

Grants Paid $0

Salaries & Benefits $667,682

Fundraising Expenses $0

Other Expenses $677,836

TOTAL EXPENSES $1,345,518

Year-over-Year Comparison

	2023	2022	Change
Revenue	$1,741,552	$1,299,751	+0.3%
Expenses	$1,345,518	$1,174,108	+0.1%
Net Income	$396,034	$125,643	+2.2%

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

$341,907

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
BEN THOMPSON	CHAIRMAN	1.00	Officer Director	$0	$0	$0
JEFF DAVIS	SECRETARY/TR	1.00	Officer Director	$0	$0	$0
KEVIN WHEATLEY	DIRECTOR	1.00	Director	$0	$0	$0
CHAD STUCKWISCH	DIRECTOR	1.00	Director	$0	$0	$0
ED STUCKWISCH	VICE CHAIRMA	1.00	Officer Director	$0	$0	$0
WILLIAM BORCHERDING	DIRECTOR	1.00	Director	$0	$0	$0
GARY WENTE	DIRECTOR	1.00	Director	$0	$0	$0
KRISTINA MCINTOSH	CEO	40.00	Officer	$119,420	$18,114	$137,534
LISA A KINCAID	VP OF OPERAT	40.00	Officer	$108,304	$6,224	$114,528
WILLIAM DEAN JACKSON	VP OF LENDIN	40.00	Officer	$75,229	$14,616	$89,845

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
2024	No data	No data	No data	No data
2023	$1,741,552	$1,345,518	$30,494,713	$396,034
2022	$1,299,751	$1,174,108	$30,477,541	$125,643
2021	$1,298,525	$1,102,541	$29,625,134	$195,984
2020	$1,268,333	$1,124,899	$26,434,772	$143,434
2019	$1,156,595	$1,058,165	$23,070,681	$98,430
2018	$1,142,907	$948,066	$22,390,552	$194,841