MUDDY RIVER CREDIT UNION (EIN 486106586) - 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

1939

Legal Domicile

Principal Officer

MICHAEL AUGUSTINE PRESID

Phone

9136740933

Tax Period

2021-01-01 to 2021-06-30

MUDDY RIVER CREDIT UNION, founded in 1939, is a small nonprofit that reported $164K in total revenue in fiscal year 2020. Revenue fell 54% from the prior year — a significant decline worth monitoring. Expenses of $1.2M exceeded revenue, resulting in a 624% 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 (2020)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $139,851

Investment Income $24,077

Other Revenue $0

TOTAL REVENUE $163,928

Expense Breakdown

Grants Paid $0

Salaries & Benefits $62,789

Fundraising Expenses $0

Other Expenses $1,115,698

TOTAL EXPENSES $1,186,361

Year-over-Year Comparison

	2020	2019	Change
Revenue	$163,928	$359,313	-0.5%
Expenses	$1,186,361	$332,385	+2.6%
Net Income	$-1,022,433	$26,928	-39.0%

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

$17,199

Total Directors

$17,199

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
RITA HARTMAN	MANAGER / SECRETARY-TREASURER	40.00	Officer Director	$17,078	$121	$17,199
CHARLES CROSSLAND	PRESIDENT	2.00	Director	$0	$0	$0
ANTHONY WILBURN	VICE PRESIDENT	2.00	Director	$0	$0	$0
MARGUERITE HICKS	DIRECTOR	2.00	Director	$0	$0	$0
JOSEPH WILBURN	DIRECTOR	2.00	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
2021	$163,928	$1,186,361	No data	$-1,022,433
2020	$359,313	$332,385	$7,298,002	$26,928
2019	$430,591	$398,010	$6,946,116	$32,581
2018	$405,276	$534,117	$7,039,841	$-128,841

MUDDY RIVER CREDIT UNION