MOTOR COACH EMPLOYEES CREDIT UNION (EIN 370628078) - 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

1965

Legal Domicile

Principal Officer

LEON HOLDER

Phone

6182710600

Tax Period

2018-01-01 to 2018-12-31

MOTOR COACH EMPLOYEES CREDIT UNION, founded in 1965, is a small nonprofit that reported $191K in total revenue in fiscal year 2018. Expenses of $215K exceeded revenue, resulting in a 13% operating deficit.

Mission

TO PROVIDE COOPERATIVE FINANCIAL SERVICES TO THE FOLLOWING GROUPS: EMPLOYEES OF METRO (FORMERLY BI-STATE DEVELOPMENT AGENCY), LAIDLAW, CASINO QUEEN AND THEIR FAMILY 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 $176,566

Investment Income $14,654

Other Revenue $0

TOTAL REVENUE $191,220

Expense Breakdown

Grants Paid $0

Salaries & Benefits $90,678

Fundraising Expenses $0

Other Expenses $124,689

TOTAL EXPENSES $215,367

Year-over-Year Comparison

	2018	2017	Change
Revenue	$191,220	$188,122	+0.0%
Expenses	$215,367	$215,564	0.0%
Net Income	$-24,147	$-27,442	-0.1%

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

N/A

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

$51,272

Total Directors

$51,272

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
LEON HOLDER	CHAIRMAN	3.50	Officer Director	$0	$0	$0
WILLIE GARDNER	VICE CHAIRMAN	3.50	Officer Director	$0	$0	$0
RICHARD WADE	SECRETARY	3.50	Officer Director	$0	$0	$0
VONZETTA LEWIS	TREASURER	3.50	Officer Director	$51,272	$0	$51,272
ALTA DAVIS WARNER	DIRECTOR	3.50	Director	$0	$0	$0
CHARLES JONES	DIRECTOR	3.50	Director	$0	$0	$0
DIANE WADE	DIRECTOR	3.50	Director	$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
2018	$191,220	$215,367	$2,060,607	$-24,147

MOTOR COACH EMPLOYEES CREDIT UNION