American Nickeloid Employees CU dba Anco Community Credit Union (EIN 362351886) - 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

1956

Legal Domicile

Principal Officer

Wanda Bunzell

Phone

8152238410

Tax Period

2024-01-01 to 2024-12-31

American Nickeloid Employees CU dba Anco Community Credit Union, founded in 1956, is a small nonprofit that reported $530K in total revenue in fiscal year 2024.

Mission

To meet our members financial needs through integrity and quality service

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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 $389,098

Investment Income $140,719

Other Revenue $0

TOTAL REVENUE $529,817

Expense Breakdown

Grants Paid $0

Salaries & Benefits $186,587

Fundraising Expenses $0

Other Expenses $387,552

TOTAL EXPENSES $574,139

Year-over-Year Comparison

	2024	2023	Change
Revenue	$529,817	$516,889	+0.0%
Expenses	$574,139	$549,949	+0.0%
Net Income	$-44,322	$-33,060	+0.3%

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

$36,608

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Corey Douglas	Chairperson	1.00	Officer Director	$0	$0	$0
Joel Karun	Vice Chairperson	1.00	Officer Director	$0	$0	$0
Greg Sarver	Director	1.00	Director	$0	$0	$0
Blake Frund	Director	1.00	Director	$0	$0	$0
Ray Gatza	Director	1.00	Director	$0	$0	$0
Susan Jones	Director	1.00	Director	$0	$0	$0
Linda Tonelli	Director	1.00	Director	$0	$0	$0
Jeremy Reed	Director	1.00	Director	$0	$0	$0
Wanda Bunzell	Manager	40.00	Officer	$36,608	$0	$36,608

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	$529,817	$574,139	$10,832,779	$-44,322
2023	$516,889	$549,949	$11,430,603	$-33,060
2022	$584,045	$681,911	$12,477,717	$-97,866
2021	$523,587	$508,613	$12,734,731	$14,974
2020	$501,014	$588,418	$12,103,313	$-87,404
2019	$492,626	$581,751	$12,156,706	$-89,125
2018	$464,688	$513,530	$12,483,348	$-48,842

American Nickeloid Employees CU dba Anco Community Credit Union