MUNI EMPLOYEES 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

1952

Legal Domicile

Principal Officer

Stephanie Nickerson

Phone

6416830659

Tax Period

2022-01-01 to 2022-12-31

MUNI EMPLOYEES CREDIT UNION, founded in 1952, is a micro nonprofit that reported $26K in total revenue in fiscal year 2022. Net assets of $657K represent 302 months of operating reserves.

Mission

To create a source of credit at a fair and reasonable rate of interest, encourage habits of thrift among its members, and provide the opportunity for its members to use and control their savings for their mutual benefit.

Program Service Accomplishments

Program 1

Expenses: $0 Revenue: $26,110

The credit union makes loans to our members and the members may elect to purchase credit insurance or disability insurance. From the interest earned on loans and dividends earned on our cash plus a...

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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 (2022)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $25,675

Investment Income $435

Other Revenue $0

TOTAL REVENUE $26,110

Expense Breakdown

Grants Paid $0

Salaries & Benefits $18,703

Fundraising Expenses $0

Program Expenses $0

Other Expenses $8,296

TOTAL EXPENSES $26,999

Year-over-Year Comparison

	2022	2021	Change
Revenue	$26,110	$26,183	0.0%
Expenses	$26,999	$29,081	-0.1%
Net Income	$-889	$-2,898	-0.7%

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

Total Directors

Key Employees

$10,738

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Stephanie Nickerson	President	20	Key Emp	$10,738	$0	$10,738
Tifani Young	Teller	20	Highest	$6,562	$0	$6,562
Rachel Thompson	Chairperson	0	Director	$0	$0	$0
Jeff Box	Vice President	0	Director	$0	$0	$0
Tim Albert	Secretary	0	Director	$0	$0	$0
Dave Yeager	Credit Committee	0	Director	$0	$0	$0
Chris Cobler	Audit Committee	0	Director	$0	$0	$0
Jeff Krofp	Credit Committee	0	Director	$0	$0	$0
Jay Wheaton	Audit Committee	0	Director	$0	$0	$0
Steve Erwin	Audit Committee	0	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
2022	$26,110	$26,999	$660,472	$-889
2021	$26,183	$29,081	$718,688	$-2,898
2020	$26,847	$35,573	$723,010	$-8,726