KUMC CREDIT UNION (EIN 480595332) - 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

1954

Legal Domicile

Principal Officer

CHRISTINA A GUTIERREZ

Phone

9139628144

Tax Period

2025-01-01 to 2025-12-31

KUMC CREDIT UNION, founded in 1954, is a community nonprofit that reported $1.7M in total revenue in fiscal year 2025. The organization ran a surplus of $595K, a strong 35% operating margin.

Mission

TO PROVIDE HIGH QUALITY FINANCIAL SERVICES FOR OUR MEMBERS/OWNERS, ENHANCING THEIR FINANCIAL WELL-BEING WHILE MAINTAINING THE FINANCIAL STRENGTH OF THE CREDIT UNION.

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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 (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $1,020,069

Investment Income $692,889

Other Revenue $4,871

TOTAL REVENUE $1,717,829

Expense Breakdown

Grants Paid $0

Salaries & Benefits $451,413

Fundraising Expenses $0

Other Expenses $671,858

TOTAL EXPENSES $1,123,271

Year-over-Year Comparison

	2025	2024	Change
Revenue	$1,717,829	$1,651,819	+0.0%
Expenses	$1,123,271	$1,169,891	0.0%
Net Income	$594,558	$481,928	+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

$136,102

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
NORMA TURNER	BOARD MEMBER	0.25	Director	$0	$0	$0
MONICA LUBECK	TREASURER	0.25	Director	$0	$0	$0
DAVID BROWN	BOARD MEMBER	0.25	Director	$0	$0	$0
ELWANDA RICHARDSON	CHAIRMAN	0.25	Director	$0	$0	$0
RHONDA BAILEY	VICE CHAIRMAN	0.25	Director	$0	$0	$0
WENDY BAKER	SECRETARY	0.00	Director	$0	$0	$0
KELLY ROBERTSON	BOARD MEMBER	0.00	Director	$0	$0	$0
CHRISTINA GUTIERREZ	CHIEF EXECUTIVE OFFICER	40.00	Officer	$110,614	$25,488	$136,102

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	$1,717,829	$1,123,271	$29,752,846	$594,558
2024	$1,651,819	$1,169,891	$27,751,668	$481,928
2023	$1,225,785	$971,109	$28,634,385	$254,676
2022	$909,934	$860,343	$30,253,496	$49,591
2021	$861,114	$834,268	$32,676,873	$26,846
2020	$932,946	$1,017,533	$30,547,754	$-84,587
2019	$1,076,004	$1,016,220	$27,538,686	$59,784
2018	$1,051,639	$944,323	$27,404,757	$107,316

KUMC CREDIT UNION