KASKASKIA VALLEY COMMUNITY CREDIT UNION (EIN 371110196) - 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

1982

Legal Domicile

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

TO ASSIST OUR MEMBERS IN THE MANAGEMENT OF THEIR FINANCIAL WELL BEING BY PROVIDING LOANS, SAVINGS ACCOUNTS AND OTHER FINANCIAL INSTITUTION SERVICES IN A FRIENDLY AND PROFESSIONAL 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 (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

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

$107,238

Total Directors

$107,238

Key Employees

Highest Compensated

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

KASKASKIA VALLEY COMMUNITY CREDIT UNION