COUNTY-CITY CREDIT UNION (EIN 396081470) - 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

1963

Legal Domicile

Principal Officer

BETH KRAHN

Phone

9206745542

Tax Period

2023-01-01 to 2023-12-31

COUNTY-CITY CREDIT UNION, founded in 1963, is a community nonprofit that reported $1.9M in total revenue in fiscal year 2023. Revenue surged 26% from the prior year, signaling strong growth momentum. The organization ran a surplus of $574K, a strong 30% 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.

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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 (2023)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $1,372,221

Investment Income $528,406

Other Revenue $3,621

TOTAL REVENUE $1,904,248

Expense Breakdown

Grants Paid $4,036

Salaries & Benefits $691,637

Fundraising Expenses $0

Other Expenses $634,433

TOTAL EXPENSES $1,330,106

Year-over-Year Comparison

	2023	2022	Change
Revenue	$1,904,248	$1,506,524	+0.3%
Expenses	$1,330,106	$1,207,813	+0.1%
Net Income	$574,142	$298,711	+0.9%

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

$190,621

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DENISE WILD	VICE PRESIDE	40.00	Officer	$71,186	$25,410	$96,596
BETH KRAHN	PRESIDENT	40.00	Officer	$76,614	$17,411	$94,025
DALE LUTZ	BOARD CHAIR	0.50	Officer Director	$0	$0	$0
ANDREW BARE	VICE CHAIR	0.50	Officer Director	$0	$0	$0
PATTY ACHILLI	TREASURER	0.50	Officer Director	$0	$0	$0
DIANE WEINHEIMER-WEBBER	SECRETARY	0.50	Officer Director	$0	$0	$0
KEITH MESKE	DIRECTOR	0.50	Director	$0	$0	$0
CORINA ANDERSON	DIRECTOR	0.50	Director	$0	$0	$0
LIZZETT PEREZ	DIRECTOR	0.50	Director	$0	$0	$0
AMANDA HAUSER	DIRECTOR	0.50	Director	$0	$0	$0
MISAEL CORTES	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
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

COUNTY-CITY CREDIT UNION