Casebine Community Credit Union (EIN 420953553) - 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

1949

Legal Domicile

Principal Officer

Lynda Hild

Phone

3197528745

Tax Period

2025-01-01 to 2025-12-31

Casebine Community Credit Union, founded in 1949, is a community nonprofit that reported $2.3M in total revenue in fiscal year 2025. Revenue surged 24% from the prior year, signaling strong growth momentum. The organization ran a surplus of $562K, a strong 24% operating margin.

Mission

To enhance both employees and members lives through exceptional and personal services.

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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 $468,000

Program Service Revenue $1,370,988

Investment Income $486,080

Other Revenue $0

TOTAL REVENUE $2,325,068

Expense Breakdown

Grants Paid $8,040

Salaries & Benefits $691,522

Fundraising Expenses $0

Other Expenses $1,063,755

TOTAL EXPENSES $1,763,317

Year-over-Year Comparison

	2025	2024	Change
Revenue	$2,325,068	$1,869,555	+0.2%
Expenses	$1,763,317	$1,588,960	+0.1%
Net Income	$561,751	$280,595	+1.0%

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

$178,613

Total Directors

$178,813

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Daryl Wolff	Chairman	3.00	Officer Director	$1,978	$0	$1,978
Amy Beavers	Vice Chairwoman	2.00	Officer Director	$800	$0	$800
Amy Laue	Secretary	3.00	Officer Director	$1,150	$0	$1,150
Laci Ryan	Audit Chair	3.00	Officer Director	$1,500	$0	$1,500
Wayne Smith	Credit Committee Chair	2.00	Officer Director	$800	$0	$800
Lynda Hild	President/CEO/CFO	45.00	Officer Director	$139,711	$32,674	$172,385
Austin Wagner	Board Member	2.00	Director	$200	$0	$200

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	$2,325,068	$1,763,317	$28,388,858	$561,751
2024	$1,869,555	$1,588,960	$27,702,014	$280,595
2023	$1,703,466	$1,626,550	$29,012,627	$76,916
2022	$1,490,756	$1,369,769	$32,187,121	$120,987
2021	$1,515,090	$1,369,515	$33,254,462	$145,575
2020	$1,541,129	$1,418,315	$31,362,425	$122,814
2019	$1,659,703	$1,568,359	$28,913,116	$91,344
2018	$1,655,796	$1,593,072	$29,530,586	$62,724

Casebine Community Credit Union