GRATIOT COMMUNITY CREDIT UNION (EIN 386084711) - 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

1955

Legal Domicile

Principal Officer

KATINA STRUBLE

Phone

9894638321

Tax Period

2025-01-01 to 2025-12-31

GRATIOT COMMUNITY CREDIT UNION, founded in 1955, is a community nonprofit that reported $4.0M in total revenue in fiscal year 2025. Expenses of $3.4M left a modest 15% surplus.

Mission

PROVIDE FINANCIAL SERVICES AND PRODUCTS TO MEMBERS.

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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 (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $3,407,240

Investment Income $585,481

Other Revenue $0

TOTAL REVENUE $3,992,721

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,229,379

Fundraising Expenses $0

Other Expenses $2,181,667

TOTAL EXPENSES $3,411,046

Year-over-Year Comparison

	2025	2024	Change
Revenue	$3,992,721	$3,858,840	+0.0%
Expenses	$3,411,046	$3,440,716	0.0%
Net Income	$581,675	$418,124	+0.4%

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

$189,489

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Katina Struble	CEO	40.00	Officer	$103,648	$0	$103,648
ROBERT BENDELE	CFO	40.00	Officer	$85,841	$0	$85,841
Clark Hubbard	Director	1.00	Director	$0	$0	$0
Glenn Rose	Secretary	0.00	Director	$0	$0	$0
Diane S Malek	Director	0.00	Director	$0	$0	$0
Sonia Gibson	Director	0.00	Director	$0	$0	$0
Sharol Pominville	Chairman	0.00	Director	$0	$0	$0
SHAWN SPARKS	Director	0.00	Director	$0	$0	$0
KATY FORSHEE	Treasurer	0.00	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
2025	$3,992,721	$3,411,046	$58,973,783	$581,675
2024	$3,858,840	$3,440,716	$55,538,683	$418,124
2023	$3,281,319	$3,128,236	$54,818,109	$153,083
2023	$3,281,319	$3,104,507	$54,922,512	$176,812
2022	$2,625,558	$2,417,273	$55,615,153	$208,285
2021	$2,101,369	$1,994,934	$53,382,420	$106,435
2020	$1,888,399	$1,810,158	$46,854,402	$78,241
2019	$1,975,302	$1,738,933	$37,235,480	$236,369
2018	$1,954,756	$1,638,348	$34,990,074	$316,408

GRATIOT COMMUNITY CREDIT UNION