5 STAR COMMUNITY CREDIT UNION (EIN 426063218) - 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

1950

Legal Domicile

Principal Officer

MARY GRABER

Phone

3193854914

Tax Period

2025-01-01 to 2025-12-31

5 STAR COMMUNITY CREDIT UNION, founded in 1950, is a community nonprofit that reported $2.9M in total revenue in fiscal year 2025. Expenses of $2.6M left a modest 10% surplus.

Mission

OPERATING FOR THE PRIMARY PURPOSE OF PROMOTING THRIFT, PROVIDING CREDIT AT REASONABLE RATES, AND PROVIDING OTHER FINANCIAL SERVICES TO OUR 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 $2,062,820

Investment Income $299,321

Other Revenue $506,402

TOTAL REVENUE $2,868,543

Expense Breakdown

Grants Paid $0

Salaries & Benefits $779,476

Fundraising Expenses $0

Program Expenses $2,583,763

Other Expenses $1,804,287

TOTAL EXPENSES $2,583,763

Year-over-Year Comparison

	2025	2024	Change
Revenue	$2,868,543	$2,657,902	+0.1%
Expenses	$2,583,763	$2,455,509	+0.1%
Net Income	$284,780	$202,393	+0.4%

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

$138,066

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JEFF BEAVERS	CHAIRPERSON	2.00	Officer Director	$0	$0	$0
ED SEGGERMAN	PRESIDENT	0.50	Officer Director	$0	$0	$0
CHAD WHITE	VICE CHAIRPERSON	0.50	Officer Director	$0	$0	$0
RICH MCNAMEE	SECRETARY	1.00	Officer Director	$0	$0	$0
MARLIN FORD	BOARD MEMBER	1.00	Director	$0	$0	$0
KEVIN WELLINGTON	BOARD MEMBER	0.50	Director	$0	$0	$0
KEVIN DAMERON	AUDIT COMMITTEE CHAIR	0.50	Director	$0	$0	$0
JILL DANIEL	CREDIT COMMITTEE CHAIR	1.00	Director	$0	$0	$0
PENNY RAUNBUEHLER	BOARD MEMBER	0.50	Director	$0	$0	$0
MARY GRABER	CEO	45.00	Officer	$125,217	$12,849	$138,066

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	$2,868,543	$2,583,763	$53,067,014	$284,780
2024	$2,657,902	$2,455,509	$50,776,023	$202,393
2023	$2,303,462	$2,112,524	$49,055,238	$190,938
2022	$1,957,816	$1,763,951	$46,048,402	$193,865
2021	$1,787,150	$1,724,128	$45,445,883	$63,022
2020	$1,809,929	$1,703,359	$44,430,956	$106,570
2019	$1,877,024	$1,670,188	$35,611,728	$206,836
2018	$1,722,229	$1,591,253	$33,903,257	$130,976

5 STAR COMMUNITY CREDIT UNION