LEADCO COMMUNITY CREDIT UNION (EIN 430693296) - 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

1953

Legal Domicile

Principal Officer

TAMMIE COLEMAN

Phone

5737471882

Tax Period

2023-01-01 to 2023-12-31

LEADCO COMMUNITY CREDIT UNION, founded in 1953, is a community nonprofit that reported $1.2M in total revenue in fiscal year 2023. Revenue surged 22% from the prior year, signaling strong growth momentum.

Mission

MEMBER SERVICE IS OUR TOP PRIORITY.

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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 $1,056,686

Investment Income $157,780

Other Revenue $5,293

TOTAL REVENUE $1,219,759

Expense Breakdown

Grants Paid $0

Salaries & Benefits $394,947

Fundraising Expenses $0

Other Expenses $842,036

TOTAL EXPENSES $1,236,983

Year-over-Year Comparison

	2023	2022	Change
Revenue	$1,219,759	$1,003,244	+0.2%
Expenses	$1,236,983	$974,508	+0.3%
Net Income	$-17,224	$28,736	-1.6%

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

$74,569

Total Directors

$9,650

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
STEVEN SUMMERS	CHAIRMAN	1.00	Director	$9,650	$0	$9,650
CLYDE KEITH SERINI	VICE CHAIRMAN	1.00	Director	$0	$0	$0
LOUIS E STEPHENS	TREASURER	1.00	Director	$0	$0	$0
MARGARET ROBINSON	SECRETARY	1.00	Director	$0	$0	$0
JAMES SHERRILL	DIRECTOR	1.00	Director	$0	$0	$0
DOUGLAS ROSE	DIRECTOR	1.00	Director	$0	$0	$0
THERESA ODLE	DIRECTOR	1.00	Director	$0	$0	$0
JULIA MOSS	SUPERVISORY COMMITTEE	1.00	Director	$0	$0	$0
EMILY WESTOVER	SUPERVISORY COMMITTEE	1.00	Director	$0	$0	$0
TAMMIE COLEMAN	PRESIDENT (CURRENT)	40.00	Officer	$56,484	$625	$57,109
SHERRY VOSS	INTERIM PRESIDENT	24.00	Officer	$17,460	$0	$17,460

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	No data	No data	No data	No data
2023	$1,219,759	$1,236,983	$21,503,202	$-17,224
2022	$1,003,244	$974,508	$24,198,501	$28,736
2021	$791,386	$844,691	$25,473,726	$-53,305
2020	$962,277	$961,800	$23,999,176	$477
2019	$1,131,957	$1,124,695	$21,529,250	$7,262
2018	$1,102,249	$1,017,039	$21,066,321	$85,210

LEADCO COMMUNITY CREDIT UNION