WEST COMMUNITY CREDIT UNION (EIN 430603999) - 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

1936

Legal Domicile

Principal Officer

JASON PEACH

Phone

6367202400

Tax Period

2024-01-01 to 2024-12-31

WEST COMMUNITY CREDIT UNION, founded in 1936, is a mid-sized nonprofit that reported $34.6M in total revenue in fiscal year 2024. Revenue grew 8% year-over-year, indicating healthy expansion. Expenses of $33.0M left a modest 5% surplus.

Mission

TO BE OUR MEMBERS' LIFELONG FINANCIAL PARTNER BY TRULY UNDERSTANDING THEIR STORIES AND DELIVERING SMART SOLUTIONS.

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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 $32,548,044

Investment Income $2,054,718

Other Revenue $0

TOTAL REVENUE $34,602,762

Expense Breakdown

Grants Paid $11,000

Salaries & Benefits $10,808,391

Fundraising Expenses $0

Other Expenses $22,189,120

TOTAL EXPENSES $33,031,758

Year-over-Year Comparison

	2024	2023	Change
Revenue	$34,602,762	$31,895,528	+0.1%
Expenses	$33,031,758	$28,750,269	+0.1%
Net Income	$1,571,004	$3,145,259	-0.5%

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

153

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

$712,181

Total Directors

Key Employees

$1,102,407

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MICHAEL MURPHY	CHAIRMAN	1.00	Director	$0	$0	$0
TOM KRAPU	VICE CHAIRMAN	1.00	Director	$0	$0	$0
ERIC VANDERHOEF	SECRETARY	1.00	Director	$0	$0	$0
CHRIS ABBOTT	TREASURER	1.00	Director	$0	$0	$0
TRINETTA TAYLOR	BOARD MEMBER	1.00	Director	$0	$0	$0
SEAN LONG	BOARD MEMBER	1.00	Director	$0	$0	$0
RYAN DUNNEGAN	BOARD MEMBER	1.00	Director	$0	$0	$0
LEAH PETRAS	BOARD MEMBER	1.00	Director	$0	$0	$0
DEBBIE GERINGER	BOARD MEMBER	1.00	Director	$0	$0	$0
JASON PEACH	PRESIDENT/CEO	45.00	Officer	$414,924	$70,774	$485,698
MELISSA GREEN	CFO	45.00	Officer	$189,511	$36,972	$226,483
KATHY GAHR	VP - BRANCH MANAGEMENT	45.00	Key Emp	$184,526	$21,489	$206,015
KOREN GREUBEL	VP - MARKETING & DIGITAL E	45.00	Key Emp	$189,102	$27,521	$216,623
WILLIAM MCFARLAND	VP - INFORMATION TECHNOLOG	45.00	Key Emp	$189,047	$37,956	$227,003
DENNIS MCGRANE	VP - LENDING	45.00	Key Emp	$188,192	$34,214	$222,406
LORENE MEYER	VP - ORGANIZATIONAL STRATE	45.00	Key Emp	$201,620	$28,740	$230,360
RICHARD DILLARD	AVP - COMMERCIAL LENDING	45.00	Highest	$158,824	$29,488	$188,312
AUSTIN FLYNN	AVP - CORE SYSTEMS	45.00	Highest	$161,075	$12,736	$173,811
SHANNON JOHNSON	AVP - DIGITAL ENGAGEMENT	45.00	Highest	$157,460	$17,607	$175,067
JOSH RODRIGUEZ	AVP - FINTECH & MISSION IN	45.00	Highest	$156,608	$14,830	$171,438
MARISSA MCGHEE	AVP - ACCOUNTING	45.00	Highest	$131,294	$11,667	$142,961

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	$34,602,762	$33,031,758	$483,216,672	$1,571,004
2023	$31,895,528	$28,750,269	$469,359,896	$3,145,259
2022	$22,899,245	$21,025,177	$433,121,136	$1,874,068
2021	$21,820,827	$19,285,868	$364,558,129	$2,534,959
2020	$21,556,691	$19,205,496	$333,304,756	$2,351,195
2019	$21,685,307	$18,103,684	$289,271,285	$3,581,623
2018	$17,302,648	$15,804,591	$262,200,769	$1,498,057

WEST COMMUNITY CREDIT UNION