Allen Hospital Personnel Credit Union (EIN 426059417) - 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

1961

Legal Domicile

Phone

3192353678

Tax Period

2024-01-01 to 2024-12-31

Allen Hospital Personnel Credit Union, founded in 1961, is a small nonprofit that reported $413K in total revenue in fiscal year 2024. Revenue grew 14% year-over-year, indicating healthy expansion. Expenses of $358K left a modest 13% surplus.

Mission

Credit Unions create a source of credit at a fair and reasonable rate of interest,encourage habits of thrift among their members and provide an opportunity for their members to use and control their own money on a democratic basis in order to improve their economic and social con

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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 (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $259,450

Investment Income $100,076

Other Revenue $53,456

TOTAL REVENUE $412,982

Expense Breakdown

Grants Paid $0

Salaries & Benefits $151,773

Fundraising Expenses $0

Program Expenses $306,618

Other Expenses $206,426

TOTAL EXPENSES $358,199

Year-over-Year Comparison

	2024	2023	Change
Revenue	$412,982	$362,631	+0.1%
Expenses	$358,199	$278,828	+0.3%
Net Income	$54,783	$83,803	-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

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Michele Hackenmiller	Manager	40.00	Director	$0	$0	$0
Julie Westin	Audit Chair	0.50	Director	$0	$0	$0
Lorieann Kyhl	Audit committee	0.50	Director	$0	$0	$0
Rita Borrett	Audit Committee	0.50	Director	$0	$0	$0
Cynthia Powell	Secretary	0.50	Director	$0	$0	$0
Cathy Gabbard	Audit committee	0.50	Director	$0	$0	$0
David Schlichte	Chairperson	0.50	Director	$0	$0	$0
Alisa Walker	Credit Committee	0.50	Director	$0	$0	$0
Joan Easton	Credit committee	0.50	Director	$0	$0	$0
Lori Stone	Vice Chair	0.50	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
2024	$412,982	$358,199	$5,554,424	$54,783
2023	$362,631	$278,828	$5,967,485	$83,803
2022	$279,909	$255,740	$5,780,534	$24,169
2021	$265,411	$257,454	$6,254,972	$7,957
2020	$293,132	$295,662	$6,038,069	$-2,530
2019	$314,916	$305,779	$5,425,795	$9,137
2018	$320,531	$399,935	$5,433,925	$-79,404

Allen Hospital Personnel Credit Union