CIVIC CENTRAL CREDIT UNION

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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

1939

Legal Domicile

Principal Officer

DANA HEET

Phone

5736365338

Tax Period

2025-01-01 to 2025-12-31

CIVIC CENTRAL CREDIT UNION, founded in 1939, is a community nonprofit that reported $4.4M in total revenue in fiscal year 2025. Revenue grew 16% year-over-year, indicating healthy expansion. The organization ran a surplus of $1.3M, a strong 30% operating margin.

Mission

COOPERATIVE PROVIDER OF FINANCIAL SERVICES

Program Service Accomplishments

Program 1

PROVIDES FINANCIAL AND FINANCIALLY RELATED SERVICES TO 5,002 MEMBERS.

Program 2

PROVIDES A SOURCE OF CREDIT TO MEMBERS AT A FAIR AND REASONABLE RATE OF INTEREST. AS OF DECEMBER 31, 2025, LOANS OUTSTANDING TOTALED $46,489,111, INCLUDING PARTICIPATION LOANS.

Program 3

PAID DIVIDENDS AND INTEREST ON MEMBER DEPOSITS TOTALING $980,638 FOR THE YEAR.

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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 $2,794,928

Investment Income $1,602,667

Other Revenue $8,863

TOTAL REVENUE $4,406,458

Expense Breakdown

Grants Paid $6,000

Salaries & Benefits $755,378

Fundraising Expenses $0

Other Expenses $2,234,462

TOTAL EXPENSES $3,076,898

Year-over-Year Comparison

	2025	2024	Change
Revenue	$4,406,458	$3,813,191	+0.2%
Expenses	$3,076,898	$2,727,966	+0.1%
Net Income	$1,329,560	$1,085,225	+0.2%

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

$175,786

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CHERYL LINHARDT	CHAIRPERSON	1.00	Director	$0	$0	$0
JENNIFER REDEL	VICE CHAIRPERSON	1.00	Director	$0	$0	$0
JANDRA CARTER	SECRETARY	1.00	Director	$0	$0	$0
JAN HARBISON	BOARD MEMBER	1.00	Director	$0	$0	$0
BONNIE KEATON	BOARD MEMBER	1.00	Director	$0	$0	$0
JANET LEPPER	BOARD MEMBER	1.00	Director	$0	$0	$0
JOHN SHORT III	TREASURER	1.00	Director	$0	$0	$0
FONDA BUNCH	BOARD MEMBER	1.00	Director	$0	$0	$0
PATRICK NOONAN	BOARD MEMBER	1.00	Director	$0	$0	$0
JENNIFER ENLOE	PRESIDENT	40.00	Officer	$51,525	$2,235	$53,760
DANA HEET	VICE PRESIDENT	40.00	Officer	$114,734	$7,292	$122,026
NATHAN BOYLAN	PRESIDENT	40.00	Officer	$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	$4,406,458	$3,076,898	$99,973,453	$1,329,560
2024	$3,813,191	$2,727,966	$91,773,806	$1,085,225
2023	$3,136,877	$2,238,424	$86,545,528	$898,453
2022	$2,456,077	$2,024,409	$89,338,496	$431,668
2021	$2,279,163	$1,983,302	$91,445,664	$295,861
2020	$2,290,163	$1,820,201	$85,029,080	$469,962
2019	$2,367,001	$1,821,189	$75,057,726	$545,812
2018	$2,064,264	$1,716,564	$71,806,649	$347,700