UNITED CREDIT UNION (EIN 486112244) - 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

1957

Legal Domicile

Principal Officer

SANDY L REINERT

Phone

7857983223

Tax Period

2023-01-01 to 2023-01-31

UNITED CREDIT UNION, founded in 1957, is a micro nonprofit that reported $23K in total revenue in fiscal year 2022. Revenue fell 91% from the prior year — a significant decline worth monitoring.

Mission

PROMOTE THRIFT AMONG THE MEMBERS/OWNERS; PROVIDE FRIENDLY, COURTEOUS AND PROFESSIONAL SERVICE; OFFER LOANS & SAVINGS AT REASONABLE RATES; OPERATE THE CREDIT UNION IN THE BEST INTEREST OF ALL; STRIVE TO MAINTAIN THE CREDIT UNION PHILOSOPHY OF PEOPLE HELPING PEOPLE.

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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 (2022)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $13,055

Investment Income $8,707

Other Revenue $953

TOTAL REVENUE $22,715

Expense Breakdown

Grants Paid $0

Salaries & Benefits $7,134

Fundraising Expenses $0

Other Expenses $14,964

TOTAL EXPENSES $22,982

Year-over-Year Comparison

	2022	2021	Change
Revenue	$22,715	$254,574	-0.9%
Expenses	$22,982	$228,582	-0.9%
Net Income	$-267	$25,992	-1.0%

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

$3,221

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DEBBIE HAMILTON	CHAIRPERSON	1.00	Director	$0	$0	$0
DERRIC FUCHS	VICE CHAIRPERSON	1.00	Director	$0	$0	$0
JENNIFER FOOS	SECRETARY/TREASURER	1.00	Director	$0	$0	$0
ADAM HEALZER	DIRECTOR	1.00	Director	$0	$0	$0
STEPHANIE JAN RIDER	DIRECTOR	1.00	Director	$0	$0	$0
SANDY L REINERT	MANAGER	40.00	Officer	$3,221	$0	$3,221

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
2023	$22,715	$22,982	No data	$-267
2022	$254,574	$228,582	$12,092,939	$25,992
2021	$213,314	$230,593	$11,300,084	$-17,279
2020	$301,524	$235,599	$10,665,840	$65,925
2019	$341,847	$230,588	$9,309,436	$111,259
2018	$284,012	$222,588	$9,039,943	$61,424

UNITED CREDIT UNION