PARISH MEMBERS CREDIT UNION

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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

1945

Legal Domicile

Principal Officer

DENNIS KOCH

Phone

3093674112

Tax Period

2018-01-01 to 2018-12-31

PARISH MEMBERS CREDIT UNION, founded in 1945, is a small nonprofit that reported $108K in total revenue in fiscal year 2018. Expenses of $93K left a modest 14% surplus.

Mission

THE CREDIT UNION'S OBJECTIVE IS TO PROVIDE ITS MEMBERS WITH SHARE ACCOUNTS AND LOAN SERVICES AT A FAIR AND FAVORABLE RATE IN A FRIENDLY COURTEOUS ATMOSPHERE.

Program Service Accomplishments

Program 1

PROVIDED CONSUMER LENDING AND RECEIVED DEPOSITS FROM THE CREDIT UNION MEMBERSHIP. THE CREDIT UNION SERVICES MORE THAN 475 MEMBER SHARE TYPE ACCOUNTS AND MORE THAN 160 LOAN TYPE ACCOUNTS, INCLUDING...

PROVIDED CONSUMER LENDING AND RECEIVED DEPOSITS FROM THE CREDIT UNION MEMBERSHIP. THE CREDIT UNION SERVICES MORE THAN 475 MEMBER SHARE TYPE ACCOUNTS AND MORE THAN 160 LOAN TYPE ACCOUNTS, INCLUDING VISA CARDS.

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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 (2018)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $64,086

Investment Income $43,439

Other Revenue $0

TOTAL REVENUE $107,525

Expense Breakdown

Grants Paid $0

Salaries & Benefits $42,476

Fundraising Expenses $0

Other Expenses $50,275

TOTAL EXPENSES $92,751

Year-over-Year Comparison

	2018	2017	Change
Revenue	$107,525	$110,290	0.0%
Expenses	$92,751	$91,812	+0.0%
Net Income	$14,774	$18,478	-0.2%

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

$32,844

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DENNIS KOCH	CHAIRPERSON	2.00	Director	$0	$0	$0
THOMAS GRABENSTETTER	VICE-CHAIRPERSON	2.00	Director	$0	$0	$0
TONI RANDALL	DIRECTOR	2.00	Director	$0	$0	$0
GREGORY ALIG	TREASURER	2.00	Director	$0	$0	$0
PAM BRANDT	DIRECTOR	2.00	Director	$0	$0	$0
DAN POPLETTE	DIRECTOR	2.00	Director	$0	$0	$0
ROB KLOBNAK	DIRECTOR	2.00	Director	$0	$0	$0
PERRY WILLMAN	SECRETARY	2.00	Director	$0	$0	$0
SARAH GREBNER	DIRECTOR	2.00	Director	$0	$0	$0
CYNTHIA NOSBISCH	DIRECTOR	2.00	Director	$0	$0	$0
MATTHEW SMITH	DIRECTOR	2.00	Director	$0	$0	$0
LINDA JOHNSTONE	MANAGER	35.00	Officer	$32,803	$41	$32,844

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
2018	$107,525	$92,751	$2,561,556	$14,774