KANSAS CITY P&G EMPLOYEES CREDIT UNION (EIN 480361798) - 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

1938

Legal Domicile

Principal Officer

NECIA REICHARD

Phone

9135730441

Tax Period

2018-01-01 to 2018-12-31

KANSAS CITY P&G EMPLOYEES CREDIT UNION, founded in 1938, is a small nonprofit that reported $161K in total revenue in fiscal year 2018. Revenue decreased 6% compared to the prior year. Net assets of $1.1M represent 82 months of operating reserves.

Mission

IT IS THE PURPOSE OF THE KANSAS CITY P&G EMPLOYEES CREDIT UNION TO PROVIDE COMPETITIVE FINANCIAL SERVICES, IN A SAFE AND SOUND MANNER, FOR THE MUTUAL BENEFIT AND GROWTH OF ITS MEMBERSHIP.

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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 $150,847

Investment Income $10,115

Other Revenue $0

TOTAL REVENUE $160,962

Expense Breakdown

Grants Paid $0

Salaries & Benefits $87,042

Fundraising Expenses $0

Other Expenses $77,681

TOTAL EXPENSES $164,723

Year-over-Year Comparison

	2018	2017	Change
Revenue	$160,962	$170,729	-0.1%
Expenses	$164,723	$167,451	0.0%
Net Income	$-3,761	$3,278	-2.1%

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

$51,290

Total Directors

$1,040

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
GEORGE FOSHER	BOARD PRESIDENT	1.00	Director	$0	$0	$0
DENISE MCGINLEY	BOARD VICE PRESIDENT	1.00	Director	$0	$0	$0
JAMES BABCOCK	BOARD SECRETARY	1.00	Director	$0	$0	$0
GEORGE CHUCK CHARLES III	BOARD TREASURER/EMPLOYEE	40.00	Director	$1,040	$0	$1,040
JAMES OGILVIE	BOARD MEMBER	1.00	Director	$0	$0	$0
STEVE COLLINS	BOARD MEMBER	1.00	Director	$0	$0	$0
MIKE STUERKE	BOARD MEMBER	1.00	Director	$0	$0	$0
NECIA REICHARD	MANAGER	40.00	Officer	$50,090	$1,200	$51,290

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	$160,962	$164,723	$3,971,855	$-3,761

KANSAS CITY P&G EMPLOYEES CREDIT UNION