Acme Continental Credit Union (EIN 360703155) - 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

1937

Legal Domicile

Principal Officer

Mark Duffy

Phone

7088493113

Tax Period

2023-01-01 to 2023-12-31

Acme Continental Credit Union, founded in 1937, is a community nonprofit that reported $2.3M in total revenue in fiscal year 2018. Expenses of $2.1M left a modest 10% surplus.

Mission

Illinois state chartered credit union operated for the mutual benefit of its 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 $1,708,537

Investment Income $659,908

Other Revenue $85,716

TOTAL REVENUE $2,454,161

Expense Breakdown

Grants Paid $0

Salaries & Benefits $958,264

Fundraising Expenses $0

Other Expenses $1,338,924

TOTAL EXPENSES $2,297,188

Year-over-Year Comparison

	2023	2022	Change
Revenue	$2,454,161	$2,260,775	+0.1%
Expenses	$2,297,188	$2,151,403	+0.1%
Net Income	$156,973	$109,372	+0.4%

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

$302,921

Total Directors

$302,921

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Donald Bischof	Chairperson	2.00	Officer Director	$0	$0	$0
Gillie Beal	Vice Chairperson	2.00	Officer Director	$0	$0	$0
Mark Duffy	President & Treasurer	40.00	Officer Director	$138,498	$56,713	$195,211
David Kaczmarski	Vice President & Secretary	40.00	Officer Director	$82,323	$25,387	$107,710
Daniel Cotter	Director	2.00	Director	$0	$0	$0
Rose Kube	Director	2.00	Director	$0	$0	$0
Michele Ernst	Director	2.00	Director	$0	$0	$0
Carl Luft	Director	2.00	Director	$0	$0	$0
Jonathan Russell	Director	2.00	Director	$0	$0	$0
Althea Moore	Director	2.00	Director	$0	$0	$0
Wendy Lynn	Director	2.00	Director	$0	$0	$0
Sharon Ilijanich	Director	2.00	Director	$0	$0	$0
Jeff Beal	Director	2.00	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
2024	No data	No data	No data	No data
2023	$2,454,161	$2,297,188	$55,504,663	$156,973
2022	$2,260,775	$2,151,403	$57,389,469	$109,372
2021	$2,445,541	$2,118,560	$58,234,209	$326,981
2020	$2,181,763	$2,082,155	$54,055,711	$99,608
2019	$2,370,471	$2,175,626	$44,977,466	$194,845
2018	$2,312,699	$2,076,209	$44,966,702	$236,490

Acme Continental Credit Union