CROSS ROADS CREDIT UNION (EIN 440640547) - 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

1928

Legal Domicile

Principal Officer

JUDY CARDOZA

Phone

8164834574

Tax Period

2019-01-01 to 2019-08-31

CROSS ROADS CREDIT UNION, founded in 1928, is a small nonprofit that reported $187K in total revenue in fiscal year 2019. Revenue fell 34% from the prior year — a significant decline worth monitoring. Expenses of $539K exceeded revenue, resulting in a 187% operating deficit.

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 (2019)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $178,727

Investment Income $5,827

Other Revenue $2,888

TOTAL REVENUE $187,442

Expense Breakdown

Grants Paid $0

Salaries & Benefits $141,746

Fundraising Expenses $0

Other Expenses $397,073

TOTAL EXPENSES $538,819

Year-over-Year Comparison

	2019	2018	Change
Revenue	$187,442	$285,149	-0.3%
Expenses	$538,819	$291,384	+0.8%
Net Income	$-351,377	$-6,235	+55.4%

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

$54,279

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ANITA MACAN	CHAIRMAN	1.00	Director	$0	$0	$0
CLYDE WILLIAMS	VICE CHAIRMAN & TREASURER	1.00	Director	$0	$0	$0
BARBARA GRAVES-TILLMAN	SECRETARY	1.00	Director	$0	$0	$0
REMY BLANCHAERT	BOARD MEMBER	1.00	Director	$0	$0	$0
JUDY CARDOZA	PRESIDENT	50.00	Officer	$50,580	$3,699	$54,279

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
2019	$187,442	$538,819	No data	$-351,377
2018	$285,149	$291,384	$4,295,418	$-6,235

CROSS ROADS CREDIT UNION