CREDIT UNION OF LEAVENWORTH COUNTY (EIN 480632570) - 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

1956

Legal Domicile

Principal Officer

ELIZABETH JUMP

Phone

9132500195

Tax Period

2018-01-01 to 2018-10-31

CREDIT UNION OF LEAVENWORTH COUNTY, founded in 1956, is a small nonprofit that reported $232K in total revenue in fiscal year 2018. Revenue decreased 14% compared to the prior year. Expenses of $280K exceeded revenue, resulting in a 21% operating deficit.

Mission

IT IS THE INTENT OF THE CREDIT UNION OF LEAVENWORTH COUNTY (CULC) TO PROVIDE SERVICES AVAILABLE TO THE MEMBERSHIP SO THAT IT CAN MEET THE NEEDS OF THE MEMBERS AND CONTINUE TO BE A VIABLE, EFFECTIVE, EFFICIENT, AND COMPETITIVE FINANCIAL INSTITUTION. CULC IS A NOT-FOR-PROFIT, NOT-FOR-CHARITY, BUT A FOR-SERVICE ORGANIZATION.THE CREDIT UNION OF LEAVENWORTH COUNTY WILL PROVIDE SERVICES THAT WILL BENEFIT THE MEMBERS, WILL INVEST IN FUNDS THAT ARE LOW IN RISK, PROVIDE FOR LIQUIDITY AND PRODUCE NET INCOME, AND CONTINUE TO DEVELOP AN ADEQUATE RESERVE.

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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 $192,201

Investment Income $37,456

Other Revenue $2,046

TOTAL REVENUE $231,703

Expense Breakdown

Grants Paid $0

Salaries & Benefits $108,142

Fundraising Expenses $0

Other Expenses $171,720

TOTAL EXPENSES $279,862

Year-over-Year Comparison

	2018	2017	Change
Revenue	$231,703	$269,521	-0.1%
Expenses	$279,862	$374,736	-0.3%
Net Income	$-48,159	$-105,215	-0.5%

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

$40,647

Total Directors

$40,647

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ELIZABETH JUMP	MANAGER/TREASURER	40.00	Officer Director	$38,712	$1,935	$40,647
GRANT WALKUP	PRESIDENT	1.00	Director	$0	$0	$0
BOB BALLOU	VICE PRESIDENT	1.00	Director	$0	$0	$0
SHARON SCANLON	SECRETARY	1.00	Director	$0	$0	$0
LARRY PARKS	DIRECTOR AT-LARGE	1.00	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
2018	$231,703	$279,862	No data	$-48,159

CREDIT UNION OF LEAVENWORTH COUNTY