DETOUR DRUMMOND COMMUNITY CREDIT UN (EIN 381987607) - 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

HILARY FOUNTAIN

Phone

9064935263

Tax Period

2024-01-01 to 2024-12-31

DETOUR DRUMMOND COMMUNITY CREDIT UN, founded in 1960, is a community nonprofit that reported $1.6M in total revenue in fiscal year 2024. Revenue decreased 16% compared to the prior year. The organization ran a surplus of $347K, a strong 21% operating margin.

Mission

PROMOTION OF THRIFT AND PROVIDING LOW COST CREDIT FOR ITS MEMBERS THROUGH MUTUAL AND NONPROFIT OPERATIONS.

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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 $1,191,425

Investment Income $442,154

Other Revenue $0

TOTAL REVENUE $1,633,579

Expense Breakdown

Grants Paid $0

Salaries & Benefits $635,309

Fundraising Expenses $0

Program Expenses $1,287,027

Other Expenses $651,718

TOTAL EXPENSES $1,287,027

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,633,579	$1,936,310	-0.2%
Expenses	$1,287,027	$1,237,635	+0.0%
Net Income	$346,552	$698,675	-0.5%

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

N/A

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

$82,725

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
HILARY FOUNTAIN	MANAGER / CE	40.00	Officer	$68,678	$14,047	$82,725
REBECCA FARRELL	BOARD MEMBER	1.00	Director	$0	$0	$0
SUSAN GABLE	BOARD MEMBER	1.00	Director	$0	$0	$0
CRAIG MILLER	BOARD MEMBER	1.00	Director	$0	$0	$0
ELDON SEAMAN	CHAIRPERSON	1.00	Director	$0	$0	$0
MICHAEL SKINNER	BOARD MEMBER	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	$1,633,579	$1,287,027	$36,684,119	$346,552
2023	$1,936,310	$1,237,635	$38,561,038	$698,675
2022	$1,424,838	$1,145,514	$43,137,692	$279,324
2021	$1,224,914	$1,103,464	$44,208,077	$121,450
2020	$1,347,100	$1,087,626	$39,219,890	$259,474
2019	$1,413,744	$1,038,323	$33,526,133	$375,421
2018	$1,363,698	$841,591	$32,785,455	$522,107

DETOUR DRUMMOND COMMUNITY CREDIT UN