ARK CITY TEACHERS CREDIT UNION C/O ARK VALLEY CREDIT UNION (EIN 486107598) - Form 990 Financial Analysis & Trantor Score

🔒

Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

Sign in with your work email to view Tuckman-Chang indicators

Financial Trends

Organization Details

Formation Year

1955

Legal Domicile

Principal Officer

KIM ANNELER

Phone

6204428210

Tax Period

2018-01-01 to 2018-08-31

ARK CITY TEACHERS CREDIT UNION C/O ARK VALLEY CREDIT UNION, founded in 1955, is a micro nonprofit that reported $87K in total revenue in fiscal year 2018. Revenue fell 42% from the prior year — a significant decline worth monitoring. Expenses of $1.4M exceeded revenue, resulting in a 1572% 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.

🔒

Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

Sign in to view Trantor Score and financial metrics

Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2018)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $85,068

Investment Income $1,594

Other Revenue $0

TOTAL REVENUE $86,662

Expense Breakdown

Grants Paid $0

Salaries & Benefits $29,933

Fundraising Expenses $0

Other Expenses $1,419,455

TOTAL EXPENSES $1,449,388

Year-over-Year Comparison

	2018	2017	Change
Revenue	$86,662	$149,981	-0.4%
Expenses	$1,449,388	$142,402	+9.2%
Net Income	$-1,362,726	$7,579	-180.8%

Key Indicators

✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✗ Schedule B Required

🔒

Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

Sign in to view all financial metrics

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

$26,948

Total Directors

$15,266

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JUDITH SHIMANEK	MANAGER/TREASURER (RESIGNED)	40.00	Officer Director	$15,266	$0	$15,266
RON YOUNG	CHAIRMAN	1.00	Director	$0	$0	$0
PETE LANDER	VICE CHAIRMAN	1.00	Director	$0	$0	$0
ELIZABETH MOORE	SECRETARY	1.00	Director	$0	$0	$0
WANDA SCHWINTZ	DIRECTOR	1.00	Director	$0	$0	$0
SARAH O'DONNELL	DIRECTOR	1.00	Director	$0	$0	$0
KIM ANNELER	ACTING INTERIM MANAGER	20.00	Officer	$11,682	$0	$11,682

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	$86,662	$1,449,388	No data	$-1,362,726

ARK CITY TEACHERS CREDIT UNION C/O ARK VALLEY CREDIT UNION