CSX Chicago Terminal 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

Nicki Baker

Phone

7085015100

Tax Period

2020-01-01 to 2020-12-31

CSX Chicago Terminal Credit Union, founded in 1955, is a small nonprofit that reported $112K in total revenue in fiscal year 2020. Revenue fell 38% from the prior year — a significant decline worth monitoring. Expenses of $187K exceeded revenue, resulting in a 67% operating deficit.

Mission

The Credit Union operated for mutual purposes to promote thrift and provide low cost loans to members.

Program Service Accomplishments

Program 1

Provided consumer loans to members.

Program 2

Provided share draft accounts to approximately 81 members.

Program 3

Processes deposits and withdrawals on savings accounts for approximately 407 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 (2020)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $111,991

Investment Income $0

Other Revenue $0

TOTAL REVENUE $111,991

Expense Breakdown

Grants Paid $0

Salaries & Benefits $56,869

Fundraising Expenses $0

Other Expenses $130,057

TOTAL EXPENSES $186,926

Year-over-Year Comparison

	2020	2019	Change
Revenue	$111,991	$179,507	-0.4%
Expenses	$186,926	$217,921	-0.1%
Net Income	$-74,935	$-38,414	+1.0%

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

$29,394

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Douglas Kiser	Chairperson	1.00	Officer Director	$0	$0	$0
Jeff Beal	Vice Chairperson	1.00	Officer Director	$0	$0	$0
Rose Kube	Secretary	1.00	Officer Director	$0	$0	$0
Darryl H Jackson	Supervisory Chairperson	1.00	Director	$0	$0	$0
Sharon Ilijanich	Membership Chairperson	1.00	Director	$0	$0	$0
Bruce Rutkoski	Board Member	1.00	Director	$0	$0	$0
John Ruiz	Board Member	1.00	Director	$0	$0	$0
Michael Gaspar	Credit Committee Chairperson	1.00	Director	$0	$0	$0
Nicki Baker	President/Treasurer/Manager	38.00	Officer	$29,394	$0	$29,394

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
2020	$111,991	$186,926	No data	$-74,935