UNITED CONSUMERS CREDIT UNION (EIN 440541384) - 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

1941

Legal Domicile

Principal Officer

JASON NEATHERY

Phone

8163256900

Tax Period

2024-01-01 to 2024-12-31

UNITED CONSUMERS CREDIT UNION, founded in 1941, is a mid-sized nonprofit that reported $14.4M in total revenue in fiscal year 2024. Revenue grew 16% year-over-year, indicating healthy expansion. Expenses of $13.0M left a modest 10% surplus.

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 $13,051,708

Investment Income $1,332,489

Other Revenue $23,159

TOTAL REVENUE $14,407,356

Expense Breakdown

Grants Paid $3,000

Salaries & Benefits $4,398,735

Fundraising Expenses $0

Other Expenses $8,571,142

TOTAL EXPENSES $12,972,877

Year-over-Year Comparison

	2024	2023	Change
Revenue	$14,407,356	$12,423,243	+0.2%
Expenses	$12,972,877	$10,884,258	+0.2%
Net Income	$1,434,479	$1,538,985	-0.1%

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

$921,896

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JARED FEARS	CHAIRMAN	0.50	Director	$0	$0	$0
VAUGHN TRIBBLE	1ST VICE CHAIRMAN	0.50	Director	$0	$0	$0
KEVIN CUMMINGS	2ND VICE CHAIRMAN	0.50	Director	$0	$0	$0
MIKE WELSCH	SECRETARY/TREASURER	0.50	Director	$0	$0	$0
TRACY COX	BOARD MEMBER	0.50	Director	$0	$0	$0
MARY BROWN	BOARD MEMBER	0.50	Director	$0	$0	$0
DON SEAVER	BOARD MEMBER	0.50	Director	$0	$0	$0
REED MOORMAN	BOARD MEMBER	0.50	Director	$0	$0	$0
CHRIS WHITING	BOARD MEMBER	0.50	Director	$0	$0	$0
JASON NEATHERY	PRESIDENT	40.00	Officer	$307,226	$61,072	$368,298
RICHARD WEBSTER	SVP - OPERATIONS	40.00	Officer	$180,245	$57,336	$237,581
MICHELLE PINKERTON	SVP - FINANCE	40.00	Officer	$121,257	$750	$122,007
JOSHUA LYDAY	CFO	40.00	Officer	$163,674	$30,336	$194,010
BLAKE TAUL	SALES DIRECTOR	40.00	Highest	$135,515	$27,730	$163,245

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	$14,407,356	$12,972,877	$201,575,670	$1,434,479
2023	$12,423,243	$10,884,258	$198,994,995	$1,538,985
2022	$9,982,754	$8,974,251	$193,478,838	$1,008,503
2021	$9,490,181	$7,727,161	$185,511,289	$1,763,020
2020	$9,388,431	$8,329,719	$170,395,739	$1,058,712
2019	$9,364,466	$8,030,591	$148,933,646	$1,333,875
2019	$9,339,637	$8,005,762	$148,933,646	$1,333,875
2018	$8,767,288	$8,193,035	$142,811,612	$574,253

UNITED CONSUMERS CREDIT UNION