MILLEDGEVILLE COMMUNITY CREDIT UNION (EIN 362390931) - 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

1957

Legal Domicile

Principal Officer

GAIL CLORE

Phone

8152257617

Tax Period

2018-01-01 to 2018-07-31

MILLEDGEVILLE COMMUNITY CREDIT UNION, founded in 1957, is a micro nonprofit that reported $75K in total revenue in fiscal year 2018. Revenue fell 43% from the prior year — a significant decline worth monitoring. Expenses of $139K exceeded revenue, resulting in a 84% operating deficit.

Mission

MILLEDGEVILLE COMMUNITY CREDIT UNION IS A COOPERATIVE NOT-FOR-PROFIT FINANCIAL INSTITUTION ORGANIZED TO PROVIDE THRIFT AND PROVIDE 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 $57,797

Investment Income $17,557

Other Revenue $0

TOTAL REVENUE $75,354

Expense Breakdown

Grants Paid $0

Salaries & Benefits $34,707

Fundraising Expenses $0

Other Expenses $103,891

TOTAL EXPENSES $138,598

Year-over-Year Comparison

	2018	2017	Change
Revenue	$75,354	$131,146	-0.4%
Expenses	$138,598	$138,677	0.0%
Net Income	$-63,244	$-7,531	+7.4%

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

$8,922

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JEN DETTMAN	DIRECTOR	1.00	Director	$0	$0	$0
GREG COLEMAN	SECRETARY	1.00	Officer Director	$0	$0	$0
TODD EWERS	CHAIR	1.00	Officer Director	$0	$0	$0
JAMES BIBLER	DIRECTOR	1.00	Director	$0	$0	$0
ALAN BRACKEN	DIRECTOR	1.00	Director	$0	$0	$0
JERRY GIBBS	VICE CHAIR	1.00	Officer Director	$0	$0	$0
VERNON KNESS	TREASURER	1.00	Officer Director	$0	$0	$0
LISA CHEESEMAN	DIRECTOR	1.00	Director	$0	$0	$0
ADAM DRINKALL	DIRECTOR	1.00	Director	$0	$0	$0
CRYSTAL BENNER	MANAGER	40.00	Officer	$8,922	$0	$8,922

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	$75,354	$138,598	No data	$-63,244
2018	$75,354	$138,598	No data	$-63,244

MILLEDGEVILLE COMMUNITY CREDIT UNION