ISABELLA 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

1958

Legal Domicile

Principal Officer

JENNY HOYLE

Phone

9897735927

Tax Period

2023-01-01 to 2023-12-31

ISABELLA COMMUNITY CREDIT UNION, founded in 1958, is a community nonprofit that reported $9.7M in total revenue in fiscal year 2023. Revenue surged 23% from the prior year, signaling strong growth momentum. Expenses of $9.4M left a modest 4% surplus.

Mission

BUILDING LIFETIME MEMBER RELATIONSHIPS AS A TRUSTED FINANCIAL PARTNER.

Program Service Accomplishments

Program 1

PROVIDE 13,389 MEMBERS WITH REGULAR SAVINGS, SHARE DRAFTS, CERTIFICATES OF DEPOSIT, IRA, CLUB, HEALTH SAVINGS, AND MONEY MARKET ACCOUNTS WITH AGGREGATE DEPOSIT BALANCES THAT APPROXIMATED $174,386,000...

Program 2

PROVIDE 8,251 LOANS INCLUDING MORTGAGES, BUSINESS, HOME EQUITY, CREDIT CARDS, SHARE SECURED, VEHICLE, AND LINE OF CREDIT LOANS WITH AGGREGATE LOAN BALANCES THAT APPROXIMATED $110,317,000 AS OF...

PROVIDE 8,251 LOANS INCLUDING MORTGAGES, BUSINESS, HOME EQUITY, CREDIT CARDS, SHARE SECURED, VEHICLE, AND LINE OF CREDIT LOANS WITH AGGREGATE LOAN BALANCES THAT APPROXIMATED $110,317,000 AS OF DECEMBER 31, 2023.

Program 3

OFFER BILL PAYMENT, COURTESY PAYMENT, AUTOMATED TELLER MACHINES, MONEY ORDERS, WIRE TRANSFERS, DEBIT CARDS, REMOTE DEPOSIT CAPTURE, ONLINE MOBILE BANKING AND VARIOUS INSURANCE PROGRAMS.

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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 $8,265,167

Investment Income $1,484,953

Other Revenue $-1,884

TOTAL REVENUE $9,748,236

Expense Breakdown

Grants Paid $44,154

Salaries & Benefits $3,327,128

Fundraising Expenses $0

Other Expenses $6,035,585

TOTAL EXPENSES $9,406,867

Year-over-Year Comparison

	2023	2022	Change
Revenue	$9,748,236	$7,954,227	+0.2%
Expenses	$9,406,867	$6,339,928	+0.5%
Net Income	$341,369	$1,614,299	-0.8%

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

$366,875

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
TINA POWELL	CHAIRPERSON	1.00	Director	$0	$0	$0
JASON KENNEY	VICE CHAIRPERSON	1.00	Director	$0	$0	$0
ROBERT DENSLOW	SECRETARY	1.00	Director	$0	$0	$0
CHAD SCHAFER	TREASURER	1.00	Director	$0	$0	$0
MICHAEL METRO	DIRECTOR	1.00	Director	$0	$0	$0
AMANDA SCHAFER	DIRECTOR	1.00	Director	$0	$0	$0
KEVIN CHAMBERLAIN	DIRECTOR	1.00	Director	$0	$0	$0
EMMA LATOSKI	DIRECTOR	1.00	Director	$0	$0	$0
ROBIN WYBENGA	DIRECTOR	1.00	Director	$0	$0	$0
JENNIFER HOYLE	PRESIDENT/CEO	40.00	Officer	$191,959	$44,744	$236,703
SUE LILLICH	CFO	40.00	Officer	$108,090	$22,082	$130,172

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	$9,748,236	$9,406,867	$191,665,027	$341,369
2022	$7,954,227	$6,339,928	$184,759,950	$1,614,299
2021	$7,174,758	$5,501,013	$184,458,469	$1,673,745
2020	$6,826,715	$5,892,934	$160,397,033	$933,781
2019	$6,593,606	$5,729,997	$129,432,138	$863,609
2018	$6,259,118	$5,274,894	$120,526,357	$984,224