SOUTHWEST KANSAS COMMUNITY CREDIT UNION (EIN 480635723) - 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

1951

Legal Domicile

Principal Officer

Katie Ruthi

Phone

6202255625

Tax Period

2019-01-01 to 2019-12-31

SOUTHWEST KANSAS COMMUNITY CREDIT UNION, founded in 1951, is a small nonprofit that reported $221K in total revenue in fiscal year 2019. Revenue decreased 6% compared to the prior year. Expenses of $591K exceeded revenue, resulting in a 168% operating deficit.

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 (2019)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $214,134

Investment Income $6,863

Other Revenue $0

TOTAL REVENUE $220,997

Expense Breakdown

Grants Paid $0

Salaries & Benefits $112,388

Fundraising Expenses $0

Program Expenses $0

Other Expenses $478,832

TOTAL EXPENSES $591,220

Year-over-Year Comparison

	2019	2018	Change
Revenue	$220,997	$235,202	-0.1%
Expenses	$591,220	$222,386	+1.7%
Net Income	$-370,223	$12,816	-29.9%

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

Total Directors

Key Employees

$48,217

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MONIQUE IMMELL	BOARD SECRETARY	3	Director	$0	$0	$0
ROSA TAYLOR	BOARD MEMBER	3	Director	$0	$0	$0
VALISA RONALD MEYER	CHAIRPERSON	3	Director	$0	$0	$0
KRISTI WHERRITT	VICE CHAIRPERSON	3	Director	$0	$0	$0
JEAN DENISE	BOARD TREASURER BOARD MEMBER	3	Director	$0	$0	$0
KATHERINE	RUTHI	40	Key Emp Highest	$48,217	$0	$48,217

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
2019	$220,997	$591,220	$3,981,882	$-370,223
2018	$235,202	$222,386	$4,311,092	$12,816

SOUTHWEST KANSAS COMMUNITY CREDIT UNION