DECATUR EARTHMOVER CREDIT UNION (EIN 376026191) - 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

1957

Legal Domicile

Principal Officer

Barry Schmidt

Phone

2178752301

Tax Period

2024-01-01 to 2024-12-31

DECATUR EARTHMOVER CREDIT UNION, founded in 1957, is a mid-sized nonprofit that reported $17.7M in total revenue in fiscal year 2024. Expenses of $16.6M left a modest 6% surplus.

Mission

To provide loans to current/new members, receive deposits on savings from current/new members, issue certificates of deposits to members, provide home equity and first mortgage loans to 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 (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $11,220,683

Investment Income $3,322,238

Other Revenue $3,125,706

TOTAL REVENUE $17,668,627

Expense Breakdown

Grants Paid $0

Salaries & Benefits $7,439,435

Fundraising Expenses $0

Program Expenses $0

Other Expenses $9,111,656

TOTAL EXPENSES $16,551,091

Year-over-Year Comparison

	2024	2023	Change
Revenue	$17,668,627	$16,941,414	+0.0%
Expenses	$16,551,091	$15,919,000	+0.0%
Net Income	$1,117,536	$1,022,414	+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

139

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

$1,401,357

Total Directors

$286,548

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Barry Schmidt	President	40	Officer Director	$286,548	$0	$286,548
Kim Carlson	CFO	40	Officer	$199,729	$0	$199,729
Macie Yearta	VP of Finance	40	Officer	$113,224	$0	$113,224
Beth Puckett	VP of Lending	40	Officer	$112,351	$0	$112,351
Kim Brown	VP of HR and Organizational Development	40	Officer	$112,130	$0	$112,130
Ramonda Hines	VP of Information Technology	40	Officer	$110,993	$0	$110,993
Raven Schultz	VP of Operations and Virtual Services	40	Officer	$108,009	$0	$108,009
Jes Younghouse	VP of Marketing and Brand	40	Officer	$104,160	$0	$104,160
Josh Irvin	IT Sr Systems Administrator	40	Highest	$101,887	$0	$101,887
Monica Reynolds	Associate Vice President	40	Officer	$96,569	$0	$96,569
Michelle Heidgerken	Associate Vice President	40	Officer	$88,450	$0	$88,450
Katy Blakey	Associate Vice President	40	Officer	$69,194	$0	$69,194
Mike Ferguson	Director	0	Director	$0	$0	$0
John Kraft	Director	0	Director	$0	$0	$0
Benny Lourash	Director	0	Director	$0	$0	$0
Gary Stephens	Director	0	Director	$0	$0	$0
Dave Wilhour	Director	0	Director	$0	$0	$0
Shelith Hansbro	Director	0	Director	$0	$0	$0
Pam Mueller	Director	0	Director	$0	$0	$0
Robert Beery	Director	0	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
2025	No data	No data	No data	No data
2024	$17,668,627	$16,551,091	$293,745,835	$1,117,536
2023	$16,941,414	$15,919,000	$293,195,236	$1,022,414
2022	$16,543,031	$15,360,815	$306,701,377	$1,182,216
2021	$12,856,235	$12,060,849	$314,852,474	$795,386
2020	$11,360,684	$11,734,690	$286,511,317	$-374,006
2019	$12,111,822	$11,538,301	$255,657,550	$573,521
2018	$11,958,003	$10,556,634	$254,244,408	$1,401,369

DECATUR EARTHMOVER CREDIT UNION