ENTRUST FINANCIAL CREDIT UNION (EIN 541040653) - Form 990 Financial Analysis & Trantor Score

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Tuckman-Chang Vulnerability Assessment

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

1970

Legal Domicile

Principal Officer

LISA M LAMBRECHT

Phone

8043538012

Tax Period

2018-01-01 to 2018-12-31

ENTRUST FINANCIAL CREDIT UNION, founded in 1970, is a community nonprofit that reported $4.1M in total revenue in fiscal year 2018. Expenses of $4.0M left a modest 3% surplus.

Mission

THE ENTRUST FINANCIAL CREDIT UNION IS A NOT-FOR-PROFIT, FINANCIALLY SECURE COOPERATIVE THAT IS OWNED AND CONTROLLED BY ITS MEMBERS. OUR MISSION IS TO BE OUR MEMBERS' TRUSTED PARTNER, KNOWN BY THE MEMBERSHIP FOR PROVIDING SUPERIOR SERVICE AND SOLUTIONS THAT MEET OUR MEMBERS' EVER-CHANGING NEEDS.

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Trantor Score

Financial Health & Payment Capacity Assessment (FICO Scale: 300–850)

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

Financial Overview (2018)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $2,342,817

Investment Income $498,523

Other Revenue $1,306,698

TOTAL REVENUE $4,148,038

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,327,558

Fundraising Expenses $0

Other Expenses $2,683,487

TOTAL EXPENSES $4,011,045

Year-over-Year Comparison

	2018	2017	Change
Revenue	$4,148,038	$3,866,149	+0.1%
Expenses	$4,011,045	$3,753,882	+0.1%
Net Income	$136,993	$112,267	+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

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

$177,664

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
H LINDSEY CLEM	MEMBER OF BOARD OF DIRECTO	0.60	Director	$0	$0	$0
DEWEY REYNOLDS	MEMBER OF BOARD OF DIRECTO	0.60	Director	$0	$0	$0
JAMES WHITE	MEMBER OF BOARD OF DIRECTO	0.60	Director	$0	$0	$0
LISA LAMBRECHT	PRESIDENT/CEO	37.50	Officer	$158,131	$19,533	$177,664
CHERI SPENCE	CHAIRPERSON	0.70	Officer	$0	$0	$0
JOHN UPTON JR	VICE CHAIRMAN	0.60	Officer	$0	$0	$0
PAIGE PEAK	SECRETARY	0.60	Officer	$0	$0	$0
TIMOTHY HOLTZ	TREASURER	0.60	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
2018	$4,148,038	$4,011,045	$74,599,111	$136,993

ENTRUST FINANCIAL CREDIT UNION