KASKASKIA VALLEY COMMUNITY CREDIT UNION

EIN: 371110196 Public & Societal Benefit

CENTRALIA, IL

Total Revenue
$1,846,647
Total Expenses
$1,701,704
Total Assets
$26,530,414
Net Assets
$2,580,402
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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
1982
Legal Domicile
IL
Principal Officer
AMBER BENSON
Phone
6185336681
Tax Period
2024-01-01 to 2024-12-31

KASKASKIA VALLEY COMMUNITY CREDIT UNION, founded in 1982, is a community nonprofit in the Public & Societal Benefit sector that reported $1.8M in total revenue in fiscal year 2024. Expenses of $1.7M left a modest 8% surplus.

Mission

KASKASKIA VALLEY COMMUNITY CREDIT UNION IS A FINANCIAL INSTITUION OWNED AND CONTROLLED BY IT'S MEMBERS. WE ARE DEDICATED TO SERVING THE MEMBERS BY ENCOURAGING REGULAR SAVINGS AND STRIVING TO OFFER FINANCIAL SERVICES AT FAVORABLE TERMS. WE SHALL FOSTER THE IDEALS OF COOPERATION IN OUR COMMUNITY THROUGH THE CONCEPT OF "PEOPLE HELPING PEOPLE"

Program Service Accomplishments

Program 1

PROVIDE CONSUMER LOANS TO 1971 MEMBERS

Program 2

PROVIDE DEPOSITS ON SAVINGS TO 4657 MEMBERS

Program 3

PROVIDE SHARE DRAFT SERVICES FOR 1792 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%)

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Financial Overview (2024)

Revenue Breakdown

Contributions & Grants $0
Program Service Revenue $1,464,006
Investment Income $382,641
Other Revenue $0
TOTAL REVENUE $1,846,647

Expense Breakdown

Grants Paid $0
Salaries & Benefits $663,228
Fundraising Expenses $0
Other Expenses $1,038,476
TOTAL EXPENSES $1,701,704

Year-over-Year Comparison

2024 2023 Change
Revenue $1,846,647 $1,776,085 +0.0%
Expenses $1,701,704 $1,456,934 +0.2%
Net Income $144,943 $319,151 -0.5%
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

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Governance

Voting Members
8
Independent Members
7
Employees
24
Volunteers
7

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
5
$107,238
Total Directors
8
$107,238
Key Employees
0
$0
Highest Compensated
1
reported
Name Title Hours/Week Role Reportable Comp Other Comp Total
KIMBERLY G HOCKING TREASURER 55.00
Officer Director
$105,066 $2,172 $107,238
VINCENT BARCISZEWSKI BOARD MEMBER 0.50
Director
$0 $0 $0
JOHN WHITE TREASURER 0.50
Officer Director
$0 $0 $0
JAMIE GORDON SECRETARY 0.50
Officer Director
$0 $0 $0
DAVID KASSNER BOARD MEMBER 0.50
Director
$0 $0 $0
GARY L ROBINSON CHAIRMAN 0.50
Officer Director
$0 $0 $0
WILLIAM AGEE VICE CHAIR 0.50
Officer Director
$0 $0 $0
CATHY O'NEAL BOARD MEMBER 0.50
Director
$0 $0 $0
AMBER BENSON CEO 40.00
Highest
$109,646 $0 $109,646
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
2024 $1,846,647 $1,701,704 $26,530,414 $144,943
2023 $1,776,085 $1,456,934 $26,639,464 $319,151
2022 $1,443,554 $1,317,887 $26,591,285 $125,667
2021 $1,398,245 $1,230,279 $26,791,599 $167,966
2020 $1,275,318 $1,089,011 $24,703,064 $186,307
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