DISTRICT 8 HIGHWAY EMPLOYEES CREDIT UNION (EIN 440647604) - 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

1955

Legal Domicile

Principal Officer

STACY YEARY

Phone

4178957607

Tax Period

2018-01-01 to 2018-12-31

DISTRICT 8 HIGHWAY EMPLOYEES CREDIT UNION, founded in 1955, is a small nonprofit that reported $500K in total revenue in fiscal year 2018. Revenue grew 9% year-over-year, indicating healthy expansion. The organization ran a surplus of $177K, a strong 35% operating margin.

Mission

ESTABLISHED TO PROVIDE QUALITY FINANCIAL SERVICES TO MEMBERS WHO SHARE OUR COMMON BOND AND EXIST FOR THE FINANCIAL BENEFIT OF THE MEMBERS.

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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 (2018)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $371,541

Investment Income $128,792

Other Revenue $0

TOTAL REVENUE $500,333

Expense Breakdown

Grants Paid $0

Salaries & Benefits $100,353

Fundraising Expenses $0

Other Expenses $222,662

TOTAL EXPENSES $323,015

Year-over-Year Comparison

	2018	2017	Change
Revenue	$500,333	$458,876	+0.1%
Expenses	$323,015	$228,538	+0.4%
Net Income	$177,318	$230,338	-0.2%

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

$54,561

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
VICTOR SHELTON	CHAIRMAN	1.00	Director	$0	$0	$0
BRADLEY BROWN	VICE CHAIRMAN	1.00	Director	$0	$0	$0
DOTTIE ROUSH	SECRETARY / TREASURER	1.00	Director	$0	$0	$0
BILL HAYTER	BOARD MEMBER	1.00	Director	$0	$0	$0
DEBORAH SARTIN	BOARD MEMBER	1.00	Director	$0	$0	$0
STACY YEARY	MANAGER	40.00	Officer	$53,085	$1,476	$54,561

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
2018	$500,333	$323,015	$17,520,115	$177,318

DISTRICT 8 HIGHWAY EMPLOYEES CREDIT UNION