CENTRAL CREDIT UNION OF MARYLAND INC (EIN 520679182) - 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

1950

Legal Domicile

Principal Officer

LISA M JESTER

Phone

4108284500

Tax Period

2024-01-01 to 2024-12-31

CENTRAL CREDIT UNION OF MARYLAND INC, founded in 1950, is a community nonprofit that reported $2.3M in total revenue in fiscal year 2024. Expenses of $2.0M left a modest 12% surplus.

Mission

STATE CHARTERED 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 (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $1,495,954

Investment Income $774,598

Other Revenue $0

TOTAL REVENUE $2,270,552

Expense Breakdown

Grants Paid $0

Salaries & Benefits $804,676

Fundraising Expenses $0

Other Expenses $1,186,860

TOTAL EXPENSES $1,991,536

Year-over-Year Comparison

	2024	2023	Change
Revenue	$2,270,552	$2,254,650	+0.0%
Expenses	$1,991,536	$1,890,448	+0.1%
Net Income	$279,016	$364,202	-0.2%

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

N/A

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

$377,222

Total Directors

$14,500

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
GWEN SCHMERTZLER	ASSOCIATE BOD MBR	1.00	Director	$0	$0	$0
STEVE PORTS	AT LARGE	1.00	Director	$3,000	$0	$3,000
RON MCELROY	VICE CHAIRMAN	1.00	Director	$2,500	$0	$2,500
HELEN SCHWARZ	SECRETARY	2.00	Director	$3,000	$0	$3,000
RUTH ANN WHITE	TREASURER	1.00	Director	$3,000	$0	$3,000
GARY MARTIN	CHAIRMAN	1.00	Director	$3,000	$0	$3,000
DARLENE TERRY	VP OPERATIONS	40.00	Officer	$128,963	$18,212	$147,175
LISA JESTER	PRESIDENT/CEO	40.00	Officer	$203,451	$26,596	$230,047

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
2024	$2,270,552	$1,991,536	$42,346,787	$279,016
2023	$2,254,650	$1,890,448	$43,588,484	$364,202
2022	$1,664,116	$1,679,681	$46,215,514	$-15,565
2021	$1,364,889	$1,544,931	$46,859,689	$-180,042
2020	$1,543,565	$1,543,474	$43,987,592	$91
2019	$1,875,609	$1,662,640	$38,495,998	$212,969
2018	$1,941,225	$1,640,378	$39,619,903	$300,847

CENTRAL CREDIT UNION OF MARYLAND INC