CIVIC CENTRAL CREDIT UNION (EIN 440524890) - 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

1939

Legal Domicile

Principal Officer

DANA HEET

Phone

5736365338

Tax Period

2024-01-01 to 2024-12-31

CIVIC CENTRAL CREDIT UNION, founded in 1939, is a community nonprofit that reported $3.8M in total revenue in fiscal year 2024. Revenue surged 22% from the prior year, signaling strong growth momentum. The organization ran a surplus of $1.1M, a strong 28% operating margin.

Mission

COOPERATIVE PROVIDER OF FINANCIAL SERVICES

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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 $2,327,786

Investment Income $1,476,905

Other Revenue $8,500

TOTAL REVENUE $3,813,191

Expense Breakdown

Grants Paid $3,000

Salaries & Benefits $759,639

Fundraising Expenses $0

Other Expenses $1,863,456

TOTAL EXPENSES $2,727,966

Year-over-Year Comparison

	2024	2023	Change
Revenue	$3,813,191	$3,136,877	+0.2%
Expenses	$2,727,966	$2,238,424	+0.2%
Net Income	$1,085,225	$898,453	+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

$204,363

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	BOARD MEMBER	1.00	Director	$0	$0	$0
KURTIS KENNON	VICE CHAIRPERSON	1.00	Director	$0	$0	$0
JANDRA CARTER	SECRETARY	1.00	Director	$0	$0	$0
BETTY BROWN	BOARD MEMBER	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	BOARD MEMBER	1.00	Director	$0	$0	$0
JENNIFER ENLOE	PRESIDENT	40.00	Officer	$111,487	$4,683	$116,170
DANA HEET	VICE PRESIDENT	40.00	Officer	$81,439	$6,754	$88,193

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	$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

CIVIC CENTRAL CREDIT UNION