JC FEDERAL EMPLOYEES CREDIT UNION (EIN 440568309) - 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

1950

Legal Domicile

Principal Officer

KIMMEY LEE

Phone

5736358263

Tax Period

2024-01-01 to 2024-12-31

JC FEDERAL EMPLOYEES CREDIT UNION, founded in 1950, is a small nonprofit that reported $171K in total revenue in fiscal year 2024. Expenses of $155K left a modest 9% surplus.

Mission

TO PROVIDE HIGH QUALITY FINANCIAL SERVICES FOR OUR MEMBERS/OWNERS, ENHANCING THEIR FINANCIAL WELL-BEING WHILE MAINTAINING THE FINANCIAL STRENGTH OF THE CREDIT UNION.

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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 $151,624

Investment Income $19,458

Other Revenue $0

TOTAL REVENUE $171,082

Expense Breakdown

Grants Paid $0

Salaries & Benefits $79,901

Fundraising Expenses $0

Other Expenses $75,228

TOTAL EXPENSES $155,129

Year-over-Year Comparison

	2024	2023	Change
Revenue	$171,082	$164,023	+0.0%
Expenses	$155,129	$120,691	+0.3%
Net Income	$15,953	$43,332	-0.6%

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

$62,886

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MIKE BISH	PRESIDENT	1.00	Director	$0	$0	$0
STANLEY HAWKINS	VICE PRESIDENT	1.00	Director	$0	$0	$0
LUCY BAX	SECRETARY/TREASURER	1.00	Director	$0	$0	$0
BRIAN HAWKINS	DIRECTOR	1.00	Director	$0	$0	$0
KELLEY DAWLEY	DIRECTOR	1.00	Director	$0	$0	$0
KIMMEY LEE	MANAGER	15.00	Officer	$48,546	$14,340	$62,886

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	$171,082	$155,129	$3,130,613	$15,953
2023	$164,023	$120,691	$3,100,550	$43,332
2022	$149,882	$107,716	$2,991,895	$42,166
2021	$142,874	$114,091	$3,039,089	$28,783
2020	$144,259	$125,676	$3,115,810	$18,583
2019	$143,773	$117,742	$2,859,589	$26,031
2018	$132,580	$103,049	$2,877,569	$29,531

JC FEDERAL EMPLOYEES CREDIT UNION