KEMBA INDIANAPOLIS CREDIT UNION (EIN 356028204) - 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

1933

Legal Domicile

Principal Officer

BRIAN WILKERSON

Phone

3173515235

Tax Period

2024-01-01 to 2024-12-31

KEMBA INDIANAPOLIS CREDIT UNION, founded in 1933, is a community nonprofit that reported $4.9M in total revenue in fiscal year 2024. Revenue grew 14% year-over-year, indicating healthy expansion. Expenses of $4.2M left a modest 14% surplus.

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 (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $3,108,509

Investment Income $1,664,273

Other Revenue $130,080

TOTAL REVENUE $4,902,862

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,752,609

Fundraising Expenses $0

Program Expenses $4,214,595

Other Expenses $2,461,986

TOTAL EXPENSES $4,214,595

Year-over-Year Comparison

	2024	2023	Change
Revenue	$4,902,862	$4,299,128	+0.1%
Expenses	$4,214,595	$3,720,581	+0.1%
Net Income	$688,267	$578,547	+0.2%

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

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

$400,602

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
PAUL SAHM	DIRECTOR	1.00	Director	$0	$0	$0
RON SEAY	DIRECTOR	1.00	Director	$0	$0	$0
TOM BOHN	DIRECTOR	1.00	Director	$0	$0	$0
TOM GREINER	DIRECTOR	1.00	Director	$0	$0	$0
PAUL HEAZELTINE	DIRECTOR	1.00	Director	$0	$0	$0
ALICE WESSEL	DIRECTOR	1.00	Director	$0	$0	$0
RICHARD FEARING	DIRECTOR	1.00	Director	$0	$0	$0
KARLA SALISBURY	PRESIDENT & CEO	40.00	Officer	$228,112	$0	$228,112
BRIAN WILKERSON	SR VICE PRESIDENT/COO	40.00	Officer	$172,490	$0	$172,490

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	$4,902,862	$4,214,595	$81,357,415	$688,267
2023	$4,299,128	$3,720,581	$78,716,056	$578,547
2022	$3,531,627	$3,186,596	$83,830,914	$345,031
2021	$3,571,496	$2,971,269	$82,850,074	$600,227
2020	$3,479,647	$3,194,652	$75,212,672	$284,995
2019	$3,840,565	$3,617,425	$67,880,822	$223,140
2018	$3,682,497	$3,457,211	$65,430,094	$225,286

KEMBA INDIANAPOLIS CREDIT UNION