All-steel Credit Union (EIN 360719694) - 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

1936

Legal Domicile

Phone

6309062050

Tax Period

2018-01-01 to 2018-12-31

All-steel Credit Union, founded in 1936, is a small nonprofit that reported $832K in total revenue in fiscal year 2018. Revenue grew 8% year-over-year, indicating healthy expansion. Net assets of $3.6M represent 52 months of operating reserves.

Mission

The Credit Union is a member-owned financial institution dedicated to:1. Serving the changing financial needs of the members.2. Offering quality service and products to our current and potential members.3. Helping our members grow economically strong.4. Supporting the credit union philosophy of people helping people.

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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 (2018)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $604,893

Investment Income $226,965

Other Revenue $0

TOTAL REVENUE $831,858

Expense Breakdown

Grants Paid $0

Salaries & Benefits $368,947

Fundraising Expenses $0

Other Expenses $350,376

TOTAL EXPENSES $820,629

Year-over-Year Comparison

	2018	2017	Change
Revenue	$831,858	$768,520	+0.1%
Expenses	$820,629	$923,177	-0.1%
Net Income	$11,229	$-154,657	-1.1%

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

$140,626

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
James R Chione	Chairman	4.00	Director	$0	$0	$0
Donald Tanis	Director	4.00	Director	$0	$0	$0
Herbert Jebens Partial Yr	Treasurer	4.00	Director	$0	$0	$0
Dale Leifheit	Director	4.00	Director	$0	$0	$0
Todd McGowan	Director	4.00	Director	$0	$0	$0
Jim Miller	Director	6.00	Director	$0	$0	$0
Mark Lyons	Director	4.00	Director	$0	$0	$0
Robin Lamb	President	40.00	Officer	$78,208	$0	$78,208
David Dolder	Loan Officer	40.00	Officer	$62,418	$0	$62,418

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
2018	$831,858	$820,629	$20,347,554	$11,229

All-steel Credit Union