FAMILY COMMUNITY CREDIT UNION (EIN 420870377) - 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

1960

Legal Domicile

Principal Officer

Emily L Ott

Phone

6412286612

Tax Period

2025-01-01 to 2025-12-31

FAMILY COMMUNITY CREDIT UNION, founded in 1960, is a community nonprofit in the Public & Societal Benefit sector that reported $1.1M in total revenue in fiscal year 2025. The organization ran a surplus of $303K, a strong 27% operating margin.

Mission

Loans, savings, and services to Family Community Credit Union members.

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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 $539,847

Investment Income $505,720

Other Revenue $96,111

TOTAL REVENUE $1,141,678

Expense Breakdown

Grants Paid $0

Salaries & Benefits $307,341

Fundraising Expenses $0

Program Expenses $838,268

Other Expenses $530,927

TOTAL EXPENSES $838,268

Year-over-Year Comparison

	2025	2024	Change
Revenue	$1,141,678	$1,097,431	+0.0%
Expenses	$838,268	$687,440	+0.2%
Net Income	$303,410	$409,991	-0.3%

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

2036

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	Role	Reportable Comp	Other Comp	Total
Susan Dunn	Board Member	Officer	$0	$0	$0
Daniel Hubert	Board Member	Officer	$0	$0	$0
Candice Lumley	Board Member	Officer	$0	$0	$0
Christopher Lane	Board Member	Officer	$0	$0	$0
Ronald James	Board Member	Officer	$0	$0	$0
Julie Parker	Board Member	Officer	$0	$0	$0
Kurtis Hoeft	Board Member	Officer	$0	$0	$0
Diane Sande	Board Member	Officer	$0	$0	$0
Todd Prichard	Board Member	Officer	$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	$1,141,678	$838,268	$25,614,552	$303,410
2024	$1,097,431	$687,440	$23,271,391	$409,991
2023	$892,548	$629,071	$21,783,929	$263,477
2022	$484,241	$530,775	$23,028,590	$-46,534
2021	$397,701	$486,408	$22,794,679	$-88,707

FAMILY COMMUNITY CREDIT UNION