COMMUNITY CHOICE CREDIT UNION FOUNDATION (EIN 474414322) - 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

2021

Legal Domicile

Principal Officer

CLARK MOOREHEAD

Phone

5153348100

Tax Period

2024-01-01 to 2024-12-31

COMMUNITY CHOICE CREDIT UNION FOUNDATION, founded in 2021, is a small nonprofit in the Education sector that reported $113K in total revenue in fiscal year 2024. Revenue fell 44% from the prior year — a significant decline worth monitoring. The organization ran a surplus of $55K, a strong 48% operating margin.

Mission

SUPPORT CHARITABLE ORGANIZATIONS IN THE DES MOINES AREA.

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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 $86,795

Program Service Revenue $0

Investment Income $0

Other Revenue $25,776

TOTAL REVENUE $112,571

Expense Breakdown

Grants Paid $56,405

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $58,001

Other Expenses $1,596

TOTAL EXPENSES $58,001

Year-over-Year Comparison

	2024	2023	Change
Revenue	$112,571	$201,407	-0.4%
Expenses	$58,001	$30,092	+0.9%
Net Income	$54,570	$171,315	-0.7%

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

N/A

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

$727,671

Total Directors

$1,248,498

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JEFF KLEIN	BOARD MEMBER/MANAGING DIRECTOR	1.00	Officer Director	$0	$0	$0
DEB DEGRAFF	BOARD MEMBER	1.00	Director	$0	$0	$0
RANDY DICKEY	NON-VOTING BOARD MEMBER	1.00	Director	$0	$0	$0
JOSH COOK	NON-VOTING BOARD MEMBER	1.00	Director	$0	$63,980	$967,587
ANGIE RICHARDS	MANAGING COMMITTEE CHAIR	1.00	Director	$0	$32,807	$280,911
TOM MCENTEE	PRESIDENT	1.00	Officer	$0	$0	$0
CHRIS PUNKE	VICE PRESIDENT	1.00	Officer	$0	$44,100	$290,713
CLARK MOOREHEAD	TREASURER	1.00	Officer	$0	$28,086	$147,865
KC QUICK	SECRETARY	1.00	Officer	$0	$44,467	$289,093

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
2024	$112,571	$58,001	$396,770	$54,570
2023	$201,407	$30,092	$372,970	$171,315

COMMUNITY CHOICE CREDIT UNION FOUNDATION