COMMUNITY CREDIT UNION (EIN 450237883) - 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

1942

Legal Domicile

Principal Officer

Barbara Messner

Phone

7019475011

Tax Period

2024-01-01 to 2024-12-31

COMMUNITY CREDIT UNION, founded in 1942, is a community nonprofit that reported $4.0M in total revenue in fiscal year 2024. Expenses of $4.7M exceeded revenue, resulting in a 18% operating deficit.

Mission

Credit Union Services for approximately 5000 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 (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $2,020,007

Investment Income $2,014,083

Other Revenue $0

TOTAL REVENUE $4,034,090

Expense Breakdown

Grants Paid $0

Salaries & Benefits $717,285

Fundraising Expenses $0

Program Expenses $4,748,049

Other Expenses $4,030,764

TOTAL EXPENSES $4,748,049

Year-over-Year Comparison

	2024	2023	Change
Revenue	$4,034,090	$3,757,347	+0.1%
Expenses	$4,748,049	$3,753,296	+0.3%
Net Income	$-713,959	$4,051	-177.2%

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

N/A

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Reese Jones	Director	1.00	Officer Director	$0	$0	$0
Shannon Anderson	SecretaryTreasurer	1.00	Officer Director	$0	$0	$0
Mike Yri	Vice Chairman	1.00	Officer Director	$0	$0	$0
Emma Myhre	Director	1.00	Officer Director	$0	$0	$0
James Harmon	Chariman	1.00	Officer Director	$0	$0	$0
Barbara Messner	President	40.00	Officer	$0	$0	$0

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	No data	No data	No data	No data
2024	$4,034,090	$4,748,049	$174,268,406	$-713,959
2023	$3,757,347	$3,753,296	$179,712,323	$4,051
2022	$2,628,740	$2,129,904	$188,852,038	$498,836
2021	$2,994,395	$2,155,010	$192,478,935	$839,385
2020	$3,737,049	$2,652,376	$184,968,895	$1,084,673
2019	$4,292,117	$3,117,390	$173,223,725	$1,174,727
2018	$3,501,531	$2,161,556	$164,717,895	$1,339,975

COMMUNITY CREDIT UNION