DIVERSIFIED CREDIT UNION (EIN 410414895) - 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

1930

Legal Domicile

Principal Officer

SCOTT PENTILA

Phone

6123215300

Tax Period

2021-01-01 to 2021-03-31

DIVERSIFIED CREDIT UNION, founded in 1930, is a small nonprofit that reported $587K in total revenue in fiscal year 2021. Revenue fell 75% from the prior year — a significant decline worth monitoring. Expenses of $1.3M exceeded revenue, resulting in a 129% operating deficit.

Mission

IMPROVE THE FINANCIAL WELL BEING OF OUR MEMBERSHIP. LOANS ARE MADE TO MEMBERS FOR PRODUCTIVE PURPOSES. EXCESS FUNDS ARE INVESTED, ENABLING THE CREDIT UNION TO PAY ALL MEMBERS A FAIR RETURN ON SAVINGS.

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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 (2021)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $524,468

Investment Income $62,934

Other Revenue $0

TOTAL REVENUE $587,402

Expense Breakdown

Grants Paid $0

Salaries & Benefits $447,980

Fundraising Expenses $0

Other Expenses $860,431

TOTAL EXPENSES $1,347,802

Year-over-Year Comparison

	2021	2020	Change
Revenue	$587,402	$2,391,724	-0.8%
Expenses	$1,347,802	$1,938,156	-0.3%
Net Income	$-760,400	$453,568	-2.7%

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

$60,267

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DREW BOEKE	DIRECTOR	2.00	Director	$0	$0	$0
MIKE GILBERTSON	VICE CHAIRMAN	2.00	Officer Director	$0	$0	$0
STEVE MARSH	SECRETARY	2.00	Officer Director	$0	$0	$0
PAUL MILLER	CHAIRMAN	2.00	Officer Director	$0	$0	$0
CAROL WILM	DIRECTOR	2.00	Director	$0	$0	$0
SCOTT PENTILA	CEO	40.00	Officer	$60,267	$0	$60,267

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
2021	$587,402	$1,347,802	No data	$-760,400
2020	$2,391,724	$1,938,156	$40,835,345	$453,568
2020	$2,391,724	$1,938,156	$40,835,345	$453,568
2019	$2,624,475	$2,520,114	$35,973,392	$104,361
2018	$2,877,234	$3,222,115	$36,874,594	$-344,881

DIVERSIFIED CREDIT UNION