LOUDOUN CREDIT UNION (EIN 541117966) - 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

1978

Legal Domicile

Principal Officer

TRAVIS ALLEN

Phone

7037774744

Tax Period

2023-01-01 to 2023-12-31

LOUDOUN CREDIT UNION, founded in 1978, is a community nonprofit that reported $1.8M in total revenue in fiscal year 2018. Revenue grew 8% year-over-year, indicating healthy expansion. Net assets of $3.7M represent 25 months of operating reserves.

Mission

TO PROVIDE LOW COST FINANCIAL SERVICES SUCH AS SAVINGS AND LOANS TO MEMBER

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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 (2023)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $1,485,880

Investment Income $740,893

Other Revenue $275,940

TOTAL REVENUE $2,502,713

Expense Breakdown

Grants Paid $24,000

Salaries & Benefits $804,663

Fundraising Expenses $0

Other Expenses $1,355,878

TOTAL EXPENSES $2,184,541

Year-over-Year Comparison

	2023	2022	Change
Revenue	$2,502,713	$2,146,668	+0.2%
Expenses	$2,184,541	$2,010,098	+0.1%
Net Income	$318,172	$136,570	+1.3%

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

$220,867

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CINDY MESTER	BOARD CHAIR	6.00	Officer Director	$0	$0	$0
ERIC JEWELL	VICE CHAIR	3.00	Officer Director	$0	$0	$0
DR RODNEY KANDER	TREASURER	3.00	Officer Director	$0	$0	$0
MONIKA DIXIT	DIRECTOR	2.00	Director	$0	$0	$0
BRIAN TINSMAN	DIRECTOR	2.00	Director	$0	$0	$0
PAMELA DEPOY	DIRECTOR	2.00	Director	$0	$0	$0
OLLIE HENSON	DIRECTOR	2.00	Director	$0	$0	$0
KINDRA DIONNE	DIRECTOR	2.00	Director	$0	$0	$0
ANNIE CARLSON	DIRECTOR	2.00	Director	$0	$0	$0
LISA STILLMAN	DIRECTOR	2.00	Director	$0	$0	$0
TIM DEPOY	DIRECTOR	2.00	Director	$0	$0	$0
TRAVIS ALLEN	CEO	50.00	Officer	$143,502	$0	$143,502
KATHLEEN BROADHURST	DIRECTOR OF FINANCE	50.00	Officer	$77,365	$0	$77,365

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	No data	No data	No data	No data
2023	$2,502,713	$2,184,541	$51,827,382	$318,172
2022	$2,146,668	$2,010,098	$57,835,481	$136,570
2021	$2,053,111	$1,853,435	$57,633,130	$199,676
2020	$1,868,182	$1,588,943	$51,224,110	$279,239
2019	$1,953,542	$1,796,563	$42,583,038	$156,979
2018	$1,798,821	$1,864,060	$42,814,013	$-65,239

LOUDOUN CREDIT UNION