STATE EMPLOYEES COMMUNITY CREDIT UNION (EIN 370806563) - 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

1952

Legal Domicile

Principal Officer

SAMANTHA HARVEY

Phone

6184625229

Tax Period

2024-01-01 to 2024-12-31

STATE EMPLOYEES COMMUNITY CREDIT UNION, founded in 1952, is a small nonprofit that reported $554K in total revenue in fiscal year 2024. Expenses of $537K left a modest 3% surplus.

Mission

THE CREDIT UNION IS A MEMBER OWNED, NOT-FOR-PROFIT FINANCIAL INSTITUTION COMMITTED TO PROVIDING A SOUND YET PROGRESSIVE ASSET MANAGEMENT STRATEGY AND NEW AND IMPROVED

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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 (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $400,068

Investment Income $154,388

Other Revenue $-513

TOTAL REVENUE $553,943

Expense Breakdown

Grants Paid $0

Salaries & Benefits $181,736

Fundraising Expenses $0

Other Expenses $354,915

TOTAL EXPENSES $536,651

Year-over-Year Comparison

	2024	2023	Change
Revenue	$553,943	$519,197	+0.1%
Expenses	$536,651	$375,192	+0.4%
Net Income	$17,292	$144,005	-0.9%

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

$53,448

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MELISSA BOCK	CHAIRPERSON	1.00	Director	$0	$0	$0
JABREA BROWN	VICE CHAIRPERSON	1.00	Director	$0	$0	$0
REBECCA ALFORD	SECRETARY	1.00	Director	$0	$0	$0
LAURA FORTADO	BOARD MEMBER	1.00	Director	$0	$0	$0
ZELMA DAVIS-MARTIN	BOARD MEMBER	1.00	Director	$0	$0	$0
ANTHONY DAVIS	BOARD MEMBER	1.00	Director	$0	$0	$0
KENDERLY EASTLING	BOARD MEMBER	1.00	Director	$0	$0	$0
MICHAEL FEYERABEND	BOARD MEMBER	1.00	Director	$0	$0	$0
SAMANTHA HARVEY	CEO/MANAGER	40.00	Officer	$53,448	$0	$53,448

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	$553,943	$536,651	$6,520,002	$17,292
2023	$519,197	$375,192	$6,857,091	$144,005
2022	$349,522	$328,664	$7,863,212	$20,858
2021	$349,635	$294,128	$7,402,136	$55,507
2020	$369,257	$342,714	$6,953,433	$26,543
2019	$439,992	$349,604	$6,095,356	$90,388
2018	$400,239	$314,023	$5,973,752	$86,216

STATE EMPLOYEES COMMUNITY CREDIT UNION