ADM CREDIT UNION (EIN 370769914) - 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

1941

Legal Domicile

Principal Officer

ANN WILDMAN

Phone

2174223966

Tax Period

2022-01-01 to 2022-03-31

ADM CREDIT UNION, founded in 1941, is a small nonprofit that reported $178K in total revenue in fiscal year 2022. Revenue fell 78% from the prior year — a significant decline worth monitoring.

Mission

ADM CREDIT UNION WAS ORGANIZED TO MEET THE FINANCIAL NEEDS OF EMPLOYEES OF THE COMPANY. IT IS MEMBER OWNED AND IS OPERATED BY A VOLUNTEER BOARD OF DIRECTORS ELECTED BY THE MEMBERSHIP.

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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 (2022)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $166,836

Investment Income $11,603

Other Revenue $0

TOTAL REVENUE $178,439

Expense Breakdown

Grants Paid $0

Salaries & Benefits $88,646

Fundraising Expenses $0

Other Expenses $104,346

TOTAL EXPENSES $192,992

Year-over-Year Comparison

	2022	2021	Change
Revenue	$178,439	$795,427	-0.8%
Expenses	$192,992	$839,417	-0.8%
Net Income	$-14,553	$-43,990	-0.7%

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

$28,178

Total Directors

$28,178

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
KEVIN BESSER	CHAIRMAN	1.00	Director	$0	$0	$0
LANCE FORSTER	VICE CHAIRMAN	1.00	Director	$0	$0	$0
JOSEPH ERWIN	DIRECTOR	1.00	Director	$0	$0	$0
PATRICIA CAIN	DIRECTOR	1.00	Director	$0	$0	$0
MATT PHILIPS	DIRECTOR	1.00	Director	$0	$0	$0
CHRISTA JORDAN	DIRECTOR	1.00	Director	$0	$0	$0
CHAD MOORE	DIRECTOR	1.00	Director	$0	$0	$0
ANN WILDMAN	TREASURER	40.00	Officer Director	$22,391	$5,787	$28,178

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
2022	$178,439	$192,992	No data	$-14,553
2021	$795,427	$839,417	$16,716,495	$-43,990
2020	$831,646	$830,765	$16,285,952	$881
2019	$891,317	$796,424	$14,843,608	$94,893
2018	$827,673	$838,029	$15,800,565	$-10,356

ADM CREDIT UNION