TLC COMMUNITY 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

1956

Legal Domicile

Principal Officer

JEFF BREHMER

Phone

5174239120

Tax Period

2024-01-01 to 2024-12-31

TLC COMMUNITY CREDIT UNION, founded in 1956, is a mid-sized nonprofit that reported $40.6M in total revenue in fiscal year 2024. Revenue grew 18% year-over-year, indicating healthy expansion. The organization ran a surplus of $9.8M, a strong 24% operating margin.

Mission

TO PROMOTE THE PHILOSOPHY OF PEOPLE HELPING PEOPLE. STRIVING TO BE THE PRIMARY PROVIDER OF FINANCIAL SERVICES TO OUR MEMBERS AND THEIR FAMILIES BY PROVIDING THE OPPORTUNITY TO ACHIEVE FINANCIAL SECURITY AND WELL-BEING.

Program Service Accomplishments

Program 1

PROVIDE 55,790 MEMBERS WITH SAVINGS, SHARE DRAFTS, CLUB, MONEY MARKET, BUSINESS, INDIVIDUAL RETIREMENT, AND CERTIFICATES OF DEPOSIT ACCOUNTS WITH AGGREGATE DEPOSIT BALANCES THAT APPROXIMATED...

PROVIDE 55,790 MEMBERS WITH SAVINGS, SHARE DRAFTS, CLUB, MONEY MARKET, BUSINESS, INDIVIDUAL RETIREMENT, AND CERTIFICATES OF DEPOSIT ACCOUNTS WITH AGGREGATE DEPOSIT BALANCES THAT APPROXIMATED $667,988,000 AS OF DECEMBER 31, 2024.

Program 2

PROVIDE 15,775 NEW AND USED AUTO, UNSECURED, OVERDRAFT, COMMERCIAL, REAL ESTATE, HOME EQUITY, STUDENT AND CREDIT CARD LOANS WITH AGGREGATE LOAN BALANCES THAT APPROXIMATED $371,589,000 AS OF DECEMBER...

Program 3

OFFER ATM, ON-LINE BANKING, AUDIO RESPONSE, ACH, SAFE DEPOSIT BOXES, OVERDRAFT PROTECTION, CHECK CASHING, TRAVEL CARDS, MOBILE BANKING, MOBILE DEPOSIT CAPTURE AND VARIOUS INSURANCE PROGRAMS TO ALL...

OFFER ATM, ON-LINE BANKING, AUDIO RESPONSE, ACH, SAFE DEPOSIT BOXES, OVERDRAFT PROTECTION, CHECK CASHING, TRAVEL CARDS, MOBILE BANKING, MOBILE DEPOSIT CAPTURE AND VARIOUS INSURANCE PROGRAMS TO ALL ELIGIBLE 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 $27,777,306

Investment Income $12,794,762

Other Revenue $1,557

TOTAL REVENUE $40,573,625

Expense Breakdown

Grants Paid $211,213

Salaries & Benefits $10,700,259

Fundraising Expenses $0

Other Expenses $19,911,275

TOTAL EXPENSES $30,822,747

Year-over-Year Comparison

	2024	2023	Change
Revenue	$40,573,625	$34,438,890	+0.2%
Expenses	$30,822,747	$24,660,197	+0.2%
Net Income	$9,750,878	$9,778,693	0.0%

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

170

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

$611,774

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MARK SPOHR	CHAIRPERSON	2.00	Director	$0	$0	$0
LISA WEDDIE	DIRECTOR	1.00	Director	$0	$0	$0
TROY BEVIER	DIRECTOR	1.00	Director	$0	$0	$0
RICHARD EGLI	VICE CHAIRPERSON	1.00	Director	$0	$0	$0
JOE MURPHY	TREASURER	1.00	Director	$0	$0	$0
MARK BRUGGEMAN	DIRECTOR	1.00	Director	$0	$0	$0
MEREDITH FRANCIS	SECRETARY	1.00	Director	$0	$0	$0
JEFF BREHMER	CEO	40.00	Officer	$349,302	$118,522	$467,824
JENNIFER FROST	SR VP FINANCE	40.00	Officer	$128,049	$15,901	$143,950
MICHAEL ZARNECKI	SVP OPERATIONS	40.00	Highest	$156,224	$38,801	$195,025
PAUL CORAZZOL	SVP INFORMATION SERVICES	40.00	Highest	$162,677	$44,784	$207,461
BAILEY DAMON	VP BRANCH OPERATIONS	40.00	Highest	$107,016	$13,261	$120,277
ALYCIA NICHOLS	EVP-OPERATIONS & LENDING	40.00	Highest	$183,965	$48,672	$232,637
LINDA TOMFORD	VP HUMAN RESOURCES	40.00	Highest	$112,291	$13,816	$126,107
RANDALL SMITH	FORMER CEO	40.00		$139,323	$0	$139,323

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	$40,573,625	$30,822,747	$784,182,164	$9,750,878
2023	$34,438,890	$24,660,197	$715,763,418	$9,778,693
2022	$27,618,251	$19,570,980	$686,921,237	$8,047,271
2021	$25,132,877	$17,903,074	$694,874,887	$7,229,803
2020	$25,031,152	$17,477,827	$636,871,324	$7,553,325
2019	$23,593,571	$17,302,860	$525,006,530	$6,290,711
2018	$21,421,735	$16,170,537	$483,457,759	$5,251,198