KAH CREDIT UNION (EIN 426077673) - 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

1963

Legal Domicile

Principal Officer

PAULA VICKERS

Phone

3195248133

Tax Period

2023-01-01 to 2023-01-31

Mission

THE MISSION OF KAH CREDIT UNION IS TO PROVIDE A LIMITED RANGE OF FINANCIAL SERVICES TO ITS MEMBERS, MOST OF WHOM ARE EMPLOYEES OR FORMER EMPLOYEES OF KEOKUK AREA HOSPITAL.

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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 (2022)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $0

Investment Income $0

Other Revenue $0

TOTAL REVENUE $0

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $0

TOTAL EXPENSES $0

Year-over-Year Comparison

	2022	2021	Change
Revenue	N/A	$38,179	-1.0%
Expenses	N/A	$64,997	-1.0%
Net Income	N/A	$-26,818	N/A

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

N/A

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
WAYNE SHUMAN	CHAIRMAN OF THE BOARD	0.50	Officer Director	$0	$0	$0
BARB MOYLAN	VICE CHAIR	0.50	Officer Director	$0	$0	$0
LINDA ATTERBERG	SECRETARY	0.50	Officer Director	$0	$0	$0
LISA HAYES	CFO	0.50	Officer Director	$0	$0	$0
ED WEST	DIRECTOR	0.50	Director	$0	$0	$0
DAWN BAKKEN	DIRECTOR	0.25	Director	$0	$0	$0
DONNA LUNCSFORD	DIRECTOR	0.25	Director	$0	$0	$0
PAULA VICKERS	CREDIT UNION MANAGER	20.00	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
2023	No data	No data	No data	No data
2022	$38,179	$64,997	$1,555,539	$-26,818
2021	$39,556	$42,449	$1,664,213	$-2,893
2020	$44,519	$51,734	$1,755,054	$-7,215
2019	$53,209	$47,907	$1,649,841	$5,302
2018	$51,447	$51,484	$1,690,228	$-37

KAH CREDIT UNION