K C K Firemen and Police Credit Union (EIN 480626763) - 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

1948

Legal Domicile

Principal Officer

Harry E Lohr

Phone

9133218792

Tax Period

2024-01-01 to 2024-12-31

K C K Firemen and Police Credit Union, founded in 1948, is a small nonprofit that reported $979K in total revenue in fiscal year 2024. Expenses of $931K left a modest 5% surplus.

Mission

Provide savings and loans to employees and families of the Unified Government of Wyandotte County and City of Kansas City, Kansas. Total members at year end is 1883.

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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 $979,013

Investment Income $0

Other Revenue $0

TOTAL REVENUE $979,013

Expense Breakdown

Grants Paid $0

Salaries & Benefits $346,163

Fundraising Expenses $0

Program Expenses $930,994

Other Expenses $321,933

TOTAL EXPENSES $930,994

Year-over-Year Comparison

	2024	2023	Change
Revenue	$979,013	$925,826	+0.1%
Expenses	$930,994	$911,401	+0.0%
Net Income	$48,019	$14,425	+2.3%

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

$104,820

Total Directors

$173,700

Key Employees

$275,040

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Harry E Lohr	Secretary Treasurer	40	Officer Director Key Emp Highest	$104,820	$0	$104,820
Jennifer Lohr	Assistant Manager	40	Key Emp Highest	$101,340	$0	$101,340
Mike Meyers	Board Member	40	Director Key Emp Highest	$68,880	$0	$68,880
Bryan Kloiber	President / Board Member	1	Officer Director	$0	$0	$0
Rick Armstrong	Vice president / Board Member	1	Officer Director	$0	$0	$0
Justin Simonich	Board Member	1	Director	$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
2024	$979,013	$930,994	$16,162,532	$48,019
2023	$925,826	$911,401	$16,627,650	$14,425
2022	$880,842	$803,598	$18,860,186	$77,244
2021	$801,494	$737,373	$18,972,823	$64,121
2020	$833,616	$750,861	$16,729,346	$82,755
2019	$867,277	$787,609	$15,970,098	$79,668
2018	$878,900	$803,734	$15,078,979	$75,166

K C K Firemen and Police Credit Union