KONE EMPLOYEES CREDIT UNION (EIN 362499489) - 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

1954

Legal Domicile

Principal Officer

Bryce Kildow

Phone

3097366461

Tax Period

2023-01-01 to 2023-12-31

KONE EMPLOYEES CREDIT UNION, founded in 1954, is a small nonprofit that reported $820K in total revenue in fiscal year 2023. Expenses of $770K left a modest 6% surplus.

Mission

Member services to assist our members in the management of their financial well being by providing loans, savings accounts and other financial institution services in a professional manner.

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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 (2023)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $715,684

Investment Income $104,313

Other Revenue $0

TOTAL REVENUE $819,997

Expense Breakdown

Grants Paid $0

Salaries & Benefits $267,006

Fundraising Expenses $0

Program Expenses $0

Other Expenses $502,534

TOTAL EXPENSES $769,540

Year-over-Year Comparison

	2023	2022	Change
Revenue	$819,997	$779,507	+0.1%
Expenses	$769,540	$762,150	+0.0%
Net Income	$50,457	$17,357	+1.9%

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

$70,070

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Bryce Kildow	President/CEO	40	Officer Highest	$70,070	$0	$70,070
Dennis DeDecker	Vice Chairman	5	Director	$0	$0	$0
William Dobbeleare	Secretary	5	Director	$0	$0	$0
Beth Forret	Director	5	Director	$0	$0	$0
Doug Jasper	Director	5	Director	$0	$0	$0
Christine Harper	Director	5	Director	$0	$0	$0
Wayne Dowty	Director	5	Director	$0	$0	$0
Vicki LaFayette	Director	5	Director	$0	$0	$0
Terry Thomasson	Chairman	5		$0	$0	$0

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
2025	No data	No data	No data	No data
2024	No data	No data	No data	No data
2023	$819,997	$769,540	$19,990,328	$50,457
2022	$779,507	$762,150	$22,458,032	$17,357
2021	$788,899	$664,934	$23,393,432	$123,965
2020	$812,472	$640,123	$22,179,063	$172,349
2019	$884,468	$695,633	$20,070,588	$188,835
2018	$828,036	$653,149	$19,371,040	$174,887

KONE EMPLOYEES CREDIT UNION