DECATUR MEDICAL DENTAL CREDIT UNION (EIN 376035874) - 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

1937

Legal Domicile

Principal Officer

DAVID OVERLOT

Phone

2178723789

Tax Period

2023-01-01 to 2023-12-31

DECATUR MEDICAL DENTAL CREDIT UNION, founded in 1937, is a small nonprofit that reported $501K in total revenue in fiscal year 2018. Revenue grew 10% year-over-year, indicating healthy expansion. Net assets of $1.3M represent 32 months of operating reserves.

Mission

CREDIT UNION

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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 (2023)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $182,271

Investment Income $221,255

Other Revenue $34,409

TOTAL REVENUE $437,935

Expense Breakdown

Grants Paid $0

Salaries & Benefits $167,805

Fundraising Expenses $0

Other Expenses $289,638

TOTAL EXPENSES $457,443

Year-over-Year Comparison

	2023	2022	Change
Revenue	$437,935	$289,488	+0.5%
Expenses	$457,443	$347,075	+0.3%
Net Income	$-19,508	$-57,587	-0.7%

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

N/A

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

$44,949

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MARIAN J WOOLEN	OFFICE MANAG	30.00	Officer	$43,356	$1,593	$44,949
DEBORAH BRAGG	CREDIT COMM	1.00	Director	$0	$0	$0
ROBERT CARNEY	VICE CHAIR/P	1.00	Officer Director	$0	$0	$0
EVA DAS	DIRECTOR	1.00	Director	$0	$0	$0
ADAM FRITZGERALD	DIRECTOR	1.00	Director	$0	$0	$0
JERI ANN HIGGINS	MBR COMM CHA	1.00	Director	$0	$0	$0
CAROL HOOD	SECRETARY/TR	1.00	Officer Director	$0	$0	$0
EMILY MOCNY	DIRECTOR	1.00	Director	$0	$0	$0
MATT OBERHEIM	DIRECTOR	1.00	Director	$0	$0	$0
DAVID OVERLOT	PRESIDENT/CH	1.00	Officer Director	$0	$0	$0
DAVID SAMPLES	SUP COMM CHA	1.00	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
2023	$437,935	$457,443	No data	$-19,508
2022	$289,488	$347,075	$13,636,577	$-57,587
2021	$396,113	$415,394	$14,192,770	$-19,281
2020	$393,533	$389,925	$13,555,094	$3,608
2019	$491,970	$484,731	$12,209,904	$7,239
2018	$500,775	$527,893	$12,025,099	$-27,118

DECATUR MEDICAL DENTAL CREDIT UNION