Dial Credit Union (EIN 360746240) - 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

1931

Legal Domicile

Principal Officer

Malissa Perkins

Phone

6308592276

Tax Period

2018-01-01 to 2018-12-31

Dial Credit Union, founded in 1931, is a small nonprofit that reported $257K in total revenue in fiscal year 2018. Revenue fell 23% from the prior year — a significant decline worth monitoring. Expenses of $477K exceeded revenue, resulting in a 86% operating deficit.

Mission

Illinois state chartered credit union offering financial services to 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 (2018)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $159,070

Investment Income $97,782

Other Revenue $0

TOTAL REVENUE $256,852

Expense Breakdown

Grants Paid $0

Salaries & Benefits $202,607

Fundraising Expenses $0

Other Expenses $274,405

TOTAL EXPENSES $477,012

Year-over-Year Comparison

	2018	2017	Change
Revenue	$256,852	$331,521	-0.2%
Expenses	$477,012	$417,456	+0.1%
Net Income	$-220,160	$-85,935	+1.6%

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

N/A

Independent Members

N/A

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

$87,124

Total Directors

$2,200

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Bonnie Hagerty	Chairman	1.00	Officer Director	$0	$0	$0
Gerald Nickels	Vice Chairman	1.00	Officer Director	$0	$0	$0
James Weiss	Treasurer	1.00	Officer Director	$2,200	$0	$2,200
Kevin McDonald	Director	1.00	Director	$0	$0	$0
Steve Rissman	Director	1.00	Director	$0	$0	$0
Dennis Kohler	Director	1.00	Director	$0	$0	$0
Leda Brownlee	Director	1.00	Director	$0	$0	$0
Ray Ziegler	Director	1.00	Director	$0	$0	$0
Malissa Perkins	President	40.00	Officer	$84,924	$0	$84,924

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	$256,852	$477,012	No data	$-220,160

Dial Credit Union