DELTA COUNTY 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

1960

Legal Domicile

Principal Officer

BRENDA LIPPEN

Phone

9067867213

Tax Period

2020-01-01 to 2020-12-31

DELTA COUNTY CREDIT UNION, founded in 1960, is a community nonprofit that reported $2.6M in total revenue in fiscal year 2020. Revenue fell 67% from the prior year — a significant decline worth monitoring. The organization ran a surplus of $506K, a strong 19% operating margin.

Mission

TO BE THE BEST FINANCIAL INSTITUTION OUR MEMBERS EVER EXPERIENCE.

Program Service Accomplishments

Program 1

The Credit Union provides several deposit account types to members including savings, checking, certificates and other. The total number of members at 05/15/2020 was 12,849.

Program 2

The Credit Union provides a variety of loans to members including real estate, credit card, vehicle and other. The total number of loans outstanding at 05/15/2020 was 5,542.

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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 (2020)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $2,329,792

Investment Income $268,916

Other Revenue $0

TOTAL REVENUE $2,598,708

Expense Breakdown

Grants Paid $0

Salaries & Benefits $751,289

Fundraising Expenses $0

Other Expenses $1,341,072

TOTAL EXPENSES $2,092,361

Year-over-Year Comparison

	2020	2019	Change
Revenue	$2,598,708	$7,914,170	-0.7%
Expenses	$2,092,361	$6,032,427	-0.7%
Net Income	$506,347	$1,881,743	-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

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

$62,810

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
BRENDA LIPPEN	President & CEO	40.00	Officer	$62,810	$0	$62,810
JODY JAEGER	CHAIRPERSON	1.00	Director	$0	$0	$0
KEITH LYNCH	BOARD TREASURER	1.00	Director	$0	$0	$0
RANDY VAN PORTFLIET	VICE CHAIR	1.00	Director	$0	$0	$0
ROBERT LAMARCHE	BOARD MEMBER	1.00	Director	$0	$0	$0
JENNY HELLER	BOARD SECRETARY	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
2020	$2,598,708	$2,092,361	No data	$506,347
2019	$7,914,170	$6,032,427	$136,940,416	$1,881,743
2018	$7,225,500	$5,905,303	$128,366,654	$1,320,197