CENTRAL KANSAS CREDIT UNION

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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

1936

Legal Domicile

Principal Officer

DAVID DICK

Phone

6206631566

Tax Period

2018-01-01 to 2018-06-30

CENTRAL KANSAS CREDIT UNION, founded in 1936, is a small nonprofit that reported $846K in total revenue in fiscal year 2018. Revenue fell 49% from the prior year — a significant decline worth monitoring.

Mission

The mission of Central Kansas Credit Union is to provide financial services for the mutual benefit of our members.

Program Service Accomplishments

Program 1

Central Kansas Credit Union provides deposit services to 6,033 members.

Program 2

Central Kansas Credit Union provides a source of credit to over 1,875 members at a fair and reasonable rate of interest.

Program 3

Central Kansas Credit Union provides related financial services to 6,033 members at a fair and reasonable cost.

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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 $717,092

Investment Income $123,888

Other Revenue $5,436

TOTAL REVENUE $846,416

Expense Breakdown

Grants Paid $0

Salaries & Benefits $340,281

Fundraising Expenses $0

Program Expenses $0

Other Expenses $561,986

TOTAL EXPENSES $902,267

Year-over-Year Comparison

	2018	2017	Change
Revenue	$846,416	$1,646,035	-0.5%
Expenses	$902,267	$1,689,227	-0.5%
Net Income	$-55,851	$-43,192	+0.3%

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

$40,283

Total Directors

Key Employees

$31,028

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Gary McGuire	Director	1	Director	$0	$0	$0
Warren Briggeman	Chairman, Board of Directors	1	Director	$0	$0	$0
Joe Corwin	Vice Chairman, Board of Directors	1	Director	$0	$0	$0
Max Gardner	Secretary, Board of Directors	1	Director	$0	$0	$0
Donna Jo James	Director	1	Director	$0	$0	$0
Donald Moody	Director	1	Director	$0	$0	$0
Kevin Kienzle	Director	1	Director	$0	$0	$0
David A Dick	President	40	Officer	$30,566	$9,717	$40,283
Sharon Regier	Vice President	40	Key Emp	$23,867	$7,161	$31,028

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	$846,416	$902,267	No data	$-55,851