ENTERPRISE CREDIT UNION (EIN 480665809) - 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

1949

Legal Domicile

Principal Officer

Barth Amend

Phone

7852638292

Tax Period

2021-01-01 to 2021-12-31

ENTERPRISE CREDIT UNION, founded in 1949, is a small nonprofit that reported $107K in total revenue in fiscal year 2021. Expenses of $102K left a modest 5% surplus.

Mission

Provider of financial services for mutual purposes.

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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 (2021)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $106,412

Investment Income $889

Other Revenue $0

TOTAL REVENUE $107,301

Expense Breakdown

Grants Paid $0

Salaries & Benefits $38,673

Fundraising Expenses $0

Program Expenses $102,252

Other Expenses $63,579

TOTAL EXPENSES $102,252

Year-over-Year Comparison

	2021	2020	Change
Revenue	$107,301	$110,880	0.0%
Expenses	$102,252	$110,516	-0.1%
Net Income	$5,049	$364	+12.9%

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

N/A

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

Highest Compensated

reported

Name	Title	Role	Reportable Comp	Other Comp	Total
Barth Amend	Chairman	Director	$0	$0	$0
Jack Craig	Board Member	Director	$0	$0	$0
Peter Jackson	Vice Chairman	Director	$0	$0	$0
Sandy Jaderborg	Treasurer	Director	$0	$0	$0
Amy Rutz	Board Member	Director	$0	$0	$0
Deanna Stalder	Secretary	Director	$0	$0	$0
MiChele Ohlfs-Eagleburger	Credit Union Manager	Officer	$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
2021	$107,301	$102,252	$1,555,029	$5,049
2020	$110,880	$110,516	$1,401,206	$364
2019	$123,902	$160,591	$1,215,511	$-36,689
2018	$122,409	$116,414	$1,281,465	$5,995

ENTERPRISE CREDIT UNION