RAYTOWN-LEE'S SUMMIT COMMUNITY CREDIT UNION (EIN 440644887) - 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

1958

Legal Domicile

Principal Officer

CARRIE WEST

Phone

8163560791

Tax Period

2025-01-01 to 2025-12-31

RAYTOWN-LEE'S SUMMIT COMMUNITY CREDIT UNION, founded in 1958, is a community nonprofit that reported $3.3M in total revenue in fiscal year 2025. Expenses of $3.0M left a modest 10% surplus.

Mission

THE PREMIER CREDIT UNION, THROUGH LEADERSHIP, QUALITY AND SERVICE TO THE COMMUNITY. PEOPLE HELPING PEOPLE, BUILDING ON MOMENTUM.

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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 $2,407,645

Investment Income $914,908

Other Revenue $9,267

TOTAL REVENUE $3,331,820

Expense Breakdown

Grants Paid $2,500

Salaries & Benefits $1,194,966

Fundraising Expenses $0

Other Expenses $1,798,887

TOTAL EXPENSES $2,996,353

Year-over-Year Comparison

	2025	2024	Change
Revenue	$3,331,820	$3,118,561	+0.1%
Expenses	$2,996,353	$2,999,769	0.0%
Net Income	$335,467	$118,792	+1.8%

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

$148,289

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MARK WASKO	CHAIRMAN	1.00	Director	$0	$0	$0
RANDALL DOWELL	VICE CHAIRMAN	1.00	Director	$0	$0	$0
LINDA SEHRT	SECRETARY	1.00	Director	$0	$0	$0
KEVIN WILSON	TREASURER	1.00	Director	$0	$0	$0
TERRY LANDERS	BOARD MEMBER	1.00	Director	$0	$0	$0
HAROLD ALBIN JR	BOARD MEMBER	1.00	Director	$0	$0	$0
MICHAEL MCDONOUGH	BOARD MEMBER	1.00	Director	$0	$0	$0
CARRIE WEST	PRESIDENT	50.00	Officer	$124,294	$23,995	$148,289

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	$3,331,820	$2,996,353	$59,621,628	$335,467
2024	$3,118,561	$2,999,769	$58,469,936	$118,792
2023	$3,064,635	$2,804,427	$61,933,051	$260,208
2022	$2,813,912	$2,793,010	$69,943,104	$20,902
2021	$2,368,215	$2,462,887	$69,243,972	$-94,672
2020	$2,449,666	$2,447,348	$63,554,032	$2,318
2019	$2,743,301	$2,519,657	$56,121,008	$223,644
2018	$2,845,112	$2,688,349	$57,519,299	$156,763

RAYTOWN-LEE'S SUMMIT COMMUNITY CREDIT UNION