COUNTY-CITY 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

1963

Legal Domicile

Principal Officer

BETH KRAHN

Phone

9206745542

Tax Period

2025-01-01 to 2025-12-31

COUNTY-CITY CREDIT UNION, founded in 1963, is a community nonprofit that reported $2.4M in total revenue in fiscal year 2025. The organization ran a surplus of $453K, a strong 19% operating margin.

Mission

TO HELP OUR MEMBERS MEET FINANCIAL CHALLENGES IN A RESPONSIVE, CONVENIENT, FRIENDLY AND CARING MANNER; AND TO HELP THEM FIND FINANCIAL SECURITY WITH COMPETITIVE PRODUCTS AND SERVICES.

Program Service Accomplishments

Program 1

THE CREDIT UNION HAS VARIOUS TYPES OF DEPOSIT ACCOUNTS AVAILABLE FOR OUR MEMBERS. WE OPENED 492 NEW DEPOSIT ACCOUNTS IN 2025. AS OF 12/31/25 WE HAD 2,985 MEMBERS.

Program 2

THE CREDIT UNION HAS SEVERAL TYPES OF LOAN PROGRAMS AVAILABLE FOR OUR MEMBERS. WE FUNDED 608 NEW LOANS DURING 2025. AS OF 12/31/25 WE HAD 1,270 LOANS RECEIVABLE.

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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 $1,693,690

Investment Income $738,181

Other Revenue $3,611

TOTAL REVENUE $2,435,482

Expense Breakdown

Grants Paid $6,356

Salaries & Benefits $920,362

Fundraising Expenses $0

Other Expenses $1,055,676

TOTAL EXPENSES $1,982,394

Year-over-Year Comparison

	2025	2024	Change
Revenue	$2,435,482	$2,280,779	+0.1%
Expenses	$1,982,394	$1,719,093	+0.2%
Net Income	$453,088	$561,686	-0.2%

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

$266,323

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DENISE WILD	VICE PRESIDE	40.00	Officer	$80,082	$31,488	$111,570
BETH KRAHN	PRESIDENT	40.00	Officer	$89,113	$10,958	$100,071
CYNTHIA RAMIREZ	VP OPERATION	40.00	Officer	$48,965	$5,717	$54,682
DALE LUTZ	CHAIR	0.50	Officer Director	$0	$0	$0
PATRICIA ACHILLI	VICE CHAIR	0.50	Officer Director	$0	$0	$0
AMANDA HAUSER	TREASURER	0.50	Officer Director	$0	$0	$0
DIANE WEINHEIMER-WEBBER	SECRETARY	0.50	Officer Director	$0	$0	$0
MISAEL CORTES	DIRECTOR	0.50	Director	$0	$0	$0
LEIGH SCHERER	DIRECTOR	0.50	Director	$0	$0	$0
NEIL TAYLOR	DIRECTOR	0.50	Director	$0	$0	$0
ANDREW BARE	PRIOR VICE C	0.50	Officer Director	$0	$0	$0
KEITH MESKE	DIRECTOR	0.50	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	$2,435,482	$1,982,394	$41,737,221	$453,088
2024	No data	No data	No data	No data
2023	$1,904,248	$1,330,106	$38,748,447	$574,142
2022	$1,506,524	$1,207,813	$39,589,820	$298,711
2021	$1,275,223	$1,259,558	$37,317,822	$15,665
2020	$1,395,416	$1,238,096	$33,634,492	$157,320
2019	$1,480,283	$1,261,906	$26,802,674	$218,377
2018	$1,389,434	$1,111,086	$26,588,255	$278,348