CENTRAL COMMUNICATIONS CREDIT UNION (EIN 440195325) - 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

1935

Legal Domicile

Principal Officer

JANA MAGNUSON

Phone

8168420727

Tax Period

2025-01-01 to 2025-05-31

CENTRAL COMMUNICATIONS CREDIT UNION, founded in 1935, is a small nonprofit that reported $827K in total revenue in fiscal year 2025. Revenue fell 57% from the prior year — a significant decline worth monitoring. Expenses of $1.9M exceeded revenue, resulting in a 129% operating deficit.

Mission

THE MISSION OF CENTRAL COMMUNICATIONS CREDIT UNION IS TO HELP MEMBERS GAIN PERSONAL FINANCIAL SUCCESS THROUGH THE USE OF A VARIETY OF FINANCIAL SERVICES, WHICH FEATURE BENEFITS AND ADVANTAGES BEYOND THOSE GENERALLY AVAILABLE.

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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 $491,467

Investment Income $324,543

Other Revenue $10,981

TOTAL REVENUE $826,991

Expense Breakdown

Grants Paid $0

Salaries & Benefits $576,753

Fundraising Expenses $0

Other Expenses $1,314,341

TOTAL EXPENSES $1,891,094

Year-over-Year Comparison

	2025	2024	Change
Revenue	$826,991	$1,934,996	-0.6%
Expenses	$1,891,094	$2,531,279	-0.3%
Net Income	$-1,064,103	$-596,283	+0.8%

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

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

$57,569

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
LOYD ARNOLD	CHAIRMAN	1.00	Director	$0	$0	$0
JAY MCVEY	DIRECTOR	1.00	Director	$0	$0	$0
JEAN SKAGGS	SECRETARY/TREASURER	1.00	Director	$0	$0	$0
DOROTHY DRONE	DIRECTOR	1.00	Director	$0	$0	$0
KIRK WELSH	DIRECTOR	1.00	Director	$0	$0	$0
THOMAS GEBKEN	DIRECTOR	1.00	Director	$0	$0	$0
BRANDON RICHARDSON	PRESIDENT	40.00	Officer	$46,619	$10,950	$57,569

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	$826,991	$1,891,094	No data	$-1,064,103
2024	$1,934,996	$2,531,279	$44,073,046	$-596,283
2023	$1,908,004	$2,100,176	$50,531,269	$-192,172
2022	$1,713,407	$1,837,417	$52,547,188	$-124,010
2021	$1,941,438	$2,002,418	$56,854,995	$-60,980
2020	$2,135,558	$2,092,985	$53,933,356	$42,573
2019	$2,310,527	$2,218,329	$49,038,945	$92,198
2018	$2,102,719	$2,296,957	$48,167,902	$-194,238

CENTRAL COMMUNICATIONS CREDIT UNION