FIRST CLASS COMMUNITY CREDIT UNION (EIN 420214790) - 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

1925

Legal Domicile

Principal Officer

ZAC POLLOCK

Phone

5152244300

Tax Period

2025-01-01 to 2025-12-31

FIRST CLASS COMMUNITY CREDIT UNION, founded in 1925, is a community nonprofit that reported $5.6M in total revenue in fiscal year 2025. Revenue grew 17% year-over-year, indicating healthy expansion. The organization ran a surplus of $1.3M, a strong 23% operating margin.

Mission

STATE CHARTERED CREDIT UNION

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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 $4,314,101

Investment Income $1,315,270

Other Revenue $0

TOTAL REVENUE $5,629,371

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,681,795

Fundraising Expenses $0

Other Expenses $2,664,082

TOTAL EXPENSES $4,345,877

Year-over-Year Comparison

	2025	2024	Change
Revenue	$5,629,371	$4,799,945	+0.2%
Expenses	$4,345,877	$4,410,729	0.0%
Net Income	$1,283,494	$389,216	+2.3%

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ZAC POLLOCK	CEO	40.00		$214,105	$57,326	$271,431
LAURI DUFF	CFO	40.00		$132,765	$26,256	$159,021
CHELSEA BULLINGTON	COO	40.00		$111,762	$29,549	$141,311
GARY OLSON	Director	1.00	Director	$0	$0	$0
CRAIG DOSTER	Director	1.00	Director	$0	$0	$0
RANDY PELHAM	Director	1.00	Director	$0	$0	$0
LANCE COLES	Director	1.00	Director	$0	$0	$0
CAROL COWLING	Director	1.00	Director	$0	$0	$0
RUTH DOWNEY	Director	1.00	Director	$0	$0	$0
JAMES GEARHART	Director	1.00	Director	$0	$0	$0
MARC SWANSON	Director	1.00	Director	$0	$0	$0
BRAD JACOBSON	Director	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
2025	$5,629,371	$4,345,877	$93,253,254	$1,283,494
2024	$4,799,945	$4,410,729	$94,426,306	$389,216
2023	$4,761,310	$4,229,685	$93,363,952	$531,625
2022	$4,390,414	$4,029,698	$99,378,905	$360,716
2021	$4,085,344	$3,976,393	$100,427,061	$108,951
2020	$4,247,644	$4,134,034	$93,065,481	$113,610
2019	$4,462,839	$4,228,044	$79,791,069	$234,795
2018	$4,082,166	$3,773,201	$76,769,620	$308,965

FIRST CLASS COMMUNITY CREDIT UNION