TOTAL COMMUNITY CREDIT UNION (EIN 381644983) - 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

1960

Legal Domicile

Principal Officer

SUSETTE SCHIRM

Phone

3132913300

Tax Period

2024-01-01 to 2024-12-31

TOTAL COMMUNITY CREDIT UNION, founded in 1960, is a community nonprofit that reported $6.4M in total revenue in fiscal year 2024. Revenue grew 15% year-over-year, indicating healthy expansion. The organization ran a surplus of $1.9M, a strong 29% operating margin.

Mission

TOTAL COMMUNITY CREDIT UNION IS A MEMBER-OWNED FINANCIAL INSTITUTION COMMITTED TO PROVIDING THE HIGHEST QUALITY FINANCIAL PRODUCTS AND SERVICES WITH A FOCUS ON CONVENIENCE, VALUE AND EXCELLENT MEMBER SERVICE.

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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 $5,154,667

Investment Income $1,231,538

Other Revenue $0

TOTAL REVENUE $6,386,205

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,980,497

Fundraising Expenses $0

Other Expenses $2,536,345

TOTAL EXPENSES $4,516,842

Year-over-Year Comparison

	2024	2023	Change
Revenue	$6,386,205	$5,537,345	+0.2%
Expenses	$4,516,842	$3,755,114	+0.2%
Net Income	$1,869,363	$1,782,231	+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

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

$311,400

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
SUSETTE SCHIRM	President & CEO	40.00	Officer	$257,681	$53,719	$311,400
ROBERT MERRIMAN	Chairman	1.00	Director	$0	$0	$0
RONALD BRITT	Director	1.00	Director	$0	$0	$0
KENNETH NELSON	Treasurer	1.00	Director	$0	$0	$0
DONALD MYERS	Director	1.00	Director	$0	$0	$0
DENNIS DANVILLE	Director	1.00	Director	$0	$0	$0
SANDRA TANNER	Director	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
2024	No data	No data	No data	No data
2024	$6,386,205	$4,516,842	$100,755,781	$1,869,363
2023	$5,537,345	$3,755,114	$98,616,930	$1,782,231
2022	$4,439,149	$3,233,987	$98,918,041	$1,205,162
2021	$4,019,004	$2,917,659	$99,005,378	$1,101,345
2020	$3,883,019	$2,881,889	$88,488,211	$1,001,130
2019	$3,927,374	$2,887,066	$71,206,658	$1,040,308
2018	$3,605,332	$2,633,358	$66,761,800	$971,974

TOTAL COMMUNITY CREDIT UNION