First Security Credit Union (EIN 366073591) - 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

1930

Legal Domicile

Principal Officer

DENNIS A FISHER

Phone

8479333305

Tax Period

2018-01-01 to 2018-12-31

First Security Credit Union, founded in 1930, is a small nonprofit that reported $474K in total revenue in fiscal year 2018. Revenue fell 26% from the prior year — a significant decline worth monitoring. Expenses of $537K exceeded revenue, resulting in a 13% operating deficit.

Mission

To assist members in the management of their financial well being by providing financial services in a timely 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 (2018)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $456,757

Investment Income $17,441

Other Revenue $0

TOTAL REVENUE $474,198

Expense Breakdown

Grants Paid $0

Salaries & Benefits $156,804

Fundraising Expenses $0

Program Expenses $537,119

Other Expenses $380,315

TOTAL EXPENSES $537,119

Year-over-Year Comparison

	2018	2017	Change
Revenue	$474,198	$637,994	-0.3%
Expenses	$537,119	$699,497	-0.2%
Net Income	$-62,921	$-61,503	+0.0%

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

N/A

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

$88,542

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
HENRY MAO	Chairman of Board	0.500	Director	$0	$0	$0
EDWARD MENDEZ	Vice Chair of Board	0.500	Director	$0	$0	$0
ROBERT RECZEK	Secretary of Board	0.500	Director	$0	$0	$0
MURRY RHINE	Treasurer of Board	0.500	Director	$0	$0	$0
LUIS CARNET	Board Member	0.500	Director	$0	$0	$0
DIANA SCHULTZ	Board Member	0.500	Director	$0	$0	$0
ROCKY FASANELLA	Board Member	0.500	Director	$0	$0	$0
DENNIS FISHER	PresidentCEO	50.00	Officer	$88,542	$0	$88,542

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	$474,198	$537,119	$5,775,121	$-62,921

First Security Credit Union