COPOCO COMMUNITY CREDIT UNION (EIN 381435020) - 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

1951

Legal Domicile

Principal Officer

DAVID BRANDT

Phone

9896841873

Tax Period

2023-01-01 to 2023-12-31

COPOCO COMMUNITY CREDIT UNION, founded in 1951, is a community nonprofit that reported $4.6M in total revenue in fiscal year 2023. Revenue decreased 6% compared to the prior year. Expenses of $6.4M exceeded revenue, resulting in a 40% operating deficit.

Mission

MEMBER OWNERS WITH A COMMON BOND

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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 $3,649,994

Investment Income $888,278

Other Revenue $22,350

TOTAL REVENUE $4,560,622

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,701,228

Fundraising Expenses $0

Other Expenses $4,702,086

TOTAL EXPENSES $6,403,314

Year-over-Year Comparison

	2023	2022	Change
Revenue	$4,560,622	$4,868,820	-0.1%
Expenses	$6,403,314	$4,385,924	+0.5%
Net Income	$-1,842,692	$482,896	-4.8%

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

$239,386

Total Directors

$147,543

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DOREEN SMITH	CEO/TREASURE	40.00	Officer Director	$121,530	$26,013	$147,543
KENDRA CHRISTENSEN	COO	40.00	Officer	$83,521	$8,322	$91,843
MERI SUE ENGERS	DIRECTOR	1.00	Director	$0	$0	$0
SEAN KELLY	SECRETARY	1.00	Officer Director	$0	$0	$0
TREVOR KEYES	DIRECTOR	1.00	Director	$0	$0	$0
HAROLD MILLER	DIRECTOR	1.00	Director	$0	$0	$0
ALAN SHURKEY	CHAIRPERSON	1.00	Officer Director	$0	$0	$0
JOHN TIPPMAN	VICE CHAIR	1.00	Officer 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
2024	No data	No data	No data	No data
2023	$4,560,622	$6,403,314	$107,996,151	$-1,842,692
2022	$4,868,820	$4,385,924	$116,275,135	$482,896
2021	$4,676,289	$4,507,981	$120,251,871	$168,308
2020	$4,788,902	$4,579,518	$111,491,350	$209,384
2019	$5,174,370	$4,765,793	$95,961,879	$408,577
2018	$5,423,306	$4,743,937	$96,817,311	$679,369
2017	$5,448,922	$5,214,893	$98,435,487	$234,029

COPOCO COMMUNITY CREDIT UNION