S E C U CREDIT UNION (EIN 426077674) - 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

TANYA O'SHEA

Phone

3195244560

Tax Period

2023-01-01 to 2023-12-31

S E C U CREDIT UNION, founded in 1963, is a micro nonprofit that reported $98K in total revenue in fiscal year 2023. Revenue surged 38% from the prior year, signaling strong growth momentum. The organization ran a surplus of $29K, a strong 30% operating margin.

Mission

STATE CHARTERED CREDIT UNION

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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 (2023)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $77,080

Investment Income $21,335

Other Revenue $0

TOTAL REVENUE $98,415

Expense Breakdown

Grants Paid $0

Salaries & Benefits $29,014

Fundraising Expenses $0

Other Expenses $40,284

TOTAL EXPENSES $69,298

Year-over-Year Comparison

	2023	2022	Change
Revenue	$98,415	$71,358	+0.4%
Expenses	$69,298	$85,377	-0.2%
Net Income	$29,117	$-14,019	-3.1%

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

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
DEBRA LETCHER	BOARD MEMBER	1.00	Director	$0	$0	$0
REX MALONE	BOARD MEMBER	1.00	Director	$0	$0	$0
JAMES MCINITIRE	BOARD MEMBER	1.00	Director	$0	$0	$0
JIM RAINBOLT	BOARD MEMBER	1.00	Director	$0	$0	$0
SHARRON SEAY	BOARD MEMBER	1.00	Director	$0	$0	$0
DEBBIE SMITH	BOARD MEMBER	1.00	Director	$0	$0	$0
GERALD THOMPSON	BOARD MEMBER	1.00	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
2025	No data	No data	No data	No data
2024	No data	No data	No data	No data
2023	$98,415	$69,298	$1,792,006	$29,117
2022	$71,358	$85,377	$1,685,011	$-14,019
2021	$64,214	$65,328	$2,163,122	$-1,114
2020	$84,562	$86,100	$2,055,459	$-1,538
2019	$96,851	$87,931	$1,967,116	$8,920
2018	$103,364	$79,754	$1,972,874	$23,610

S E C U CREDIT UNION