VOLT CREDIT UNION (EIN 440444090) - Form 990 Financial Analysis & Trantor Score

🔒

Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

Sign in with your work email to view Tuckman-Chang indicators

Financial Trends

Organization Details

Formation Year

1935

Legal Domicile

Principal Officer

CHRISTOPHER MOSS

Phone

4178620471

Tax Period

2024-01-01 to 2024-12-31

VOLT CREDIT UNION, founded in 1935, is a community nonprofit that reported $5.3M in total revenue in fiscal year 2024. Revenue grew 12% year-over-year, indicating healthy expansion. Expenses of $5.1M left a modest 4% surplus.

Mission

THE CREDIT UNION EXISTS TO HELP MEMBERS BUILD LONG-TERM FINANCIAL SECURITY.

🔒

Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

Sign in to view Trantor Score and financial metrics

Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $4,569,419

Investment Income $711,592

Other Revenue $19,494

TOTAL REVENUE $5,300,505

Expense Breakdown

Grants Paid $3,000

Salaries & Benefits $1,811,855

Fundraising Expenses $0

Other Expenses $3,256,043

TOTAL EXPENSES $5,070,898

Year-over-Year Comparison

	2024	2023	Change
Revenue	$5,300,505	$4,733,729	+0.1%
Expenses	$5,070,898	$4,462,251	+0.1%
Net Income	$229,607	$271,478	-0.2%

Key Indicators

✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✓ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✗ Schedule B Required

🔒

Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

Sign in to view all financial metrics

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

$345,073

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
BILL JAMESON	CHAIRMAN	1.50	Director	$0	$0	$0
RANDY TUCKER	VICE CHAIRMAN	1.50	Director	$0	$0	$0
LAURIE PEETERS	SECRETARY	1.50	Director	$0	$0	$0
DARRELL DECKER	TREASURER	1.50	Director	$0	$0	$0
MARK ROSENAUER	DIRECTOR	1.50	Director	$0	$0	$0
LISA ALEXANDER	DIRECTOR	1.50	Director	$0	$0	$0
CHARLES JOHNSON	DIRECTOR	1.50	Director	$0	$0	$0
SHANA JAHNKE	CHIEF OPERATIONS OFFICER	40.00	Officer	$92,942	$6,054	$98,996
CHRISTOPHER MOSS	PRESIDENT/CEO (CURRENT)	40.00	Officer	$148,258	$3,380	$151,638
VICKI OWENS	CHIEF ADMINISTRATIVE OFFIC	40.00	Officer	$88,234	$6,205	$94,439

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	$5,300,505	$5,070,898	$86,217,150	$229,607
2023	$4,733,729	$4,462,251	$88,669,976	$271,478
2022	$4,130,929	$3,886,485	$90,479,481	$244,444
2021	$3,925,967	$3,728,016	$89,720,423	$197,951
2020	$3,930,624	$3,886,843	$82,438,586	$43,781
2019	$3,639,257	$3,459,488	$69,936,267	$179,769
2018	$3,350,690	$3,092,401	$65,015,176	$258,289

VOLT CREDIT UNION