UNITED CHURCHES CREDIT UNION (EIN 381743355) - 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

1957

Legal Domicile

Principal Officer

NICHOLAS ALEXANDER

Phone

3133826533

Tax Period

2024-01-01 to 2024-12-31

UNITED CHURCHES CREDIT UNION, founded in 1957, is a small nonprofit that reported $983K in total revenue in fiscal year 2024. Revenue grew 16% year-over-year, indicating healthy expansion. The organization ran a surplus of $184K, a strong 19% operating margin.

Mission

TO PROVIDE FINANCIAL SERVICES TO 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 (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $448,890

Investment Income $534,432

Other Revenue $0

TOTAL REVENUE $983,322

Expense Breakdown

Grants Paid $0

Salaries & Benefits $204,746

Fundraising Expenses $0

Other Expenses $594,204

TOTAL EXPENSES $798,950

Year-over-Year Comparison

	2024	2023	Change
Revenue	$983,322	$844,347	+0.2%
Expenses	$798,950	$654,973	+0.2%
Net Income	$184,372	$189,374	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

$58,860

Total Directors

$37,650

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ALAN SRODAWA	BOARD CHAIRPERSON	1.00	Director	$0	$0	$0
LAWRENCE LEVESQUE	BOARD VICE CHAIRPERSON	1.00	Director	$0	$0	$0
MARK LUECKE	BOARD SECRETARY	1.00	Director	$0	$0	$0
DONALD RUDIN	BOARD TREASURER	1.00	Director	$0	$0	$0
SUSAN SMITH	BOARD MEMBER	10.00	Director	$37,650	$0	$37,650
MICHELLE WOODHEAD	CEO	45.00	Officer	$49,167	$9,693	$58,860

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	$983,322	$798,950	$21,388,035	$184,372
2023	$844,347	$654,973	$21,413,252	$189,374
2022	$564,009	$538,205	$22,689,939	$25,804
2021	$500,759	$551,826	$22,971,879	$-51,067
2020	$614,339	$565,937	$21,126,974	$48,402
2019	$727,109	$585,269	$18,520,759	$141,840
2018	$629,065	$571,014	$17,420,197	$58,051

UNITED CHURCHES CREDIT UNION