KC AREA CREDIT UNION (EIN 440625085) - 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

1946

Legal Domicile

Principal Officer

ELISHA CHURCHILL

Phone

8169365050

Tax Period

2025-01-01 to 2025-12-31

KC AREA CREDIT UNION, founded in 1946, is a small nonprofit that reported $737K in total revenue in fiscal year 2025. Expenses of $648K left a modest 12% 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 (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $463,396

Investment Income $273,610

Other Revenue $0

TOTAL REVENUE $737,006

Expense Breakdown

Grants Paid $0

Salaries & Benefits $280,280

Fundraising Expenses $0

Other Expenses $367,624

TOTAL EXPENSES $647,904

Year-over-Year Comparison

	2025	2024	Change
Revenue	$737,006	$715,603	+0.0%
Expenses	$647,904	$632,394	+0.0%
Net Income	$89,102	$83,209	+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

$106,749

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JOSEF GUNTER	CHAIRMAN	2.00	Director	$0	$0	$0
NICOLE WATKINS	SECRETARY / TREASURER	2.00	Director	$0	$0	$0
THERESA DUNGANS	DIRECTOR	2.00	Director	$0	$0	$0
ROB HOOVER	VICE CHAIRMAN	2.00	Director	$0	$0	$0
EVELYN STILES	DIRECTOR	2.00	Director	$0	$0	$0
MIKE DUNSWORTH	DIRECTOR	2.00	Director	$0	$0	$0
DIRK SOLDAN	DIRECTOR	2.00	Director	$0	$0	$0
GAIL BROWN	DIRECTOR	2.00	Director	$0	$0	$0
JENNIFER SCHUMACHER	DIRECTOR	2.00	Director	$0	$0	$0
ELISHA CHURCHILL	PRESIDENT	40.00	Officer	$77,674	$29,075	$106,749

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	$737,006	$647,904	$11,167,898	$89,102
2024	No data	No data	No data	No data
2023	$690,449	$613,605	$10,369,250	$76,844
2022	$528,307	$531,403	$11,895,341	$-3,096
2021	$452,889	$532,129	$12,401,089	$-79,240
2020	$492,720	$496,140	$11,911,462	$-3,420
2019	$541,316	$521,644	$10,966,735	$19,672
2018	$550,747	$538,792	$10,754,934	$11,955

KC AREA CREDIT UNION