THE VILLAGE CREDIT UNION (EIN 420935296) - 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

1934

Legal Domicile

Principal Officer

DEB WHITTIE

Phone

5152434400

Tax Period

2018-01-01 to 2018-12-31

THE VILLAGE CREDIT UNION, founded in 1934, is a small nonprofit that reported $982K in total revenue in fiscal year 2018. Revenue grew 9% year-over-year, indicating healthy expansion.

Mission

THE VILLAGE CREDIT UNION OPERATES FOR THE PRIMARY PURPOSE OF PROMOTING THIRFT, PROVIDING CREDIT AT REASONABLE RATES, AND PROVIDING OTHER FINANCIAL SERVICES TO ITS 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 (2018)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $775,190

Investment Income $20,536

Other Revenue $186,716

TOTAL REVENUE $982,442

Expense Breakdown

Grants Paid $0

Salaries & Benefits $330,895

Fundraising Expenses $0

Program Expenses $1,066,571

Other Expenses $735,676

TOTAL EXPENSES $1,066,571

Year-over-Year Comparison

	2018	2017	Change
Revenue	$982,442	$899,900	+0.1%
Expenses	$1,066,571	$807,858	+0.3%
Net Income	$-84,129	$92,042	-1.9%

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

N/A

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

$107,674

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JACKIE WARD	CHAIRMAN	1.00	Officer Director	$0	$0	$0
LINDA WILEY	DIRECTOR	1.00	Director	$0	$0	$0
MAGALY MENDOZA	DIRECTOR	1.00	Director	$0	$0	$0
LAURA RODRIQUEZ	DIRECTOR	1.00	Director	$0	$0	$0
CAROL MCLAUGHLIN	DIRECTOR	1.00	Director	$0	$0	$0
ELAINE VANHOOZEN	SECRETARY	1.00	Officer Director	$0	$0	$0
JUNIOR IBARRA	VICE CHAIR	1.00	Officer Director	$0	$0	$0
LUIS FERNANDEZ	DIRECTOR	1.00	Director	$0	$0	$0
DEBORAH WHITTIE	PRESIDENT/CEO	40.00	Officer	$85,173	$22,501	$107,674

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
2018	$982,442	$1,066,571	$14,952,579	$-84,129

THE VILLAGE CREDIT UNION