MOUNTAIN CREDIT UNION (EIN 566054784) - 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

1963

Legal Domicile

Tax Period

2023-01-01 to 2023-12-31

MOUNTAIN CREDIT UNION, founded in 1963, is a mid-sized nonprofit that reported $20.4M in total revenue in fiscal year 2023. Revenue grew 17% year-over-year, indicating healthy expansion. The organization ran a surplus of $4.4M, a strong 22% operating margin.

Mission

STATE CHARTERED CREDIT UNION MUTUALLY OWNED BY OUR 30,368 MEMBERS, TO PROMOTE THRIFT, ISSUE SHARES AND MAINTAIN ACCOUNTS, AND MAKE LOANS TO OUR MEMBERS. FUNDS NOT NEEDED FOR LIQUIDITY OR FOR LOANS ARE TEMPORARILY INVESTED.

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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 (2023)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $20,412,469

Investment Income $0

Other Revenue $0

TOTAL REVENUE $20,412,469

Expense Breakdown

Grants Paid $0

Salaries & Benefits $6,817,008

Fundraising Expenses $0

Program Expenses $16,007,325

Other Expenses $7,265,827

TOTAL EXPENSES $16,007,325

Year-over-Year Comparison

	2023	2022	Change
Revenue	$20,412,469	$17,481,627	+0.2%
Expenses	$16,007,325	$12,490,697	+0.3%
Net Income	$4,405,144	$4,990,930	-0.1%

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
AMY S WOODY	CEO	40.00	Highest	$279,027	$0	$279,027
TANYA HASKETT	VP LENDING	40.00	Highest	$169,244	$0	$169,244
SUZIE SHOOK	VP RISK MGMT AND OPERATIONS	40.00	Highest	$162,482	$0	$162,482
MICHAEL J STAWICKI	CHIEF FINANCIAL OFFICER	40.00	Highest	$159,290	$0	$159,290
CHARLES J REECE	HR DIRECTOR	40.00	Highest	$151,357	$0	$151,357
JOEY WEBB	BOD CHAIR	0.00	Director	$0	$0	$0
DAVID BLANTON	BOD TREASURER	0.00	Director	$0	$0	$0
BRYAN INGLE	SUPERVISORY COMMITTEE	0.00	Director	$0	$0	$0
LANEAH DYSON	SUPERVISORY COMMITTEE	0.00	Director	$0	$0	$0
ROY KEITHLEY	DIRECTOR	0.00	Director	$0	$0	$0
CINDY RAMSEY	BOD SECRETARY	0.00	Director	$0	$0	$0
DON COOPER	BOD VICE CHAIR	0.00	Director	$0	$0	$0
ROBBIE OWENBEY	DIRECTOR	0.00	Director	$0	$0	$0
SHERRI RODGERS	DIRECTOR	0.00	Director	$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
2025	No data	No data	No data	No data
2024	No data	No data	No data	No data
2023	$20,412,469	$16,007,325	$340,964,502	$4,405,144
2022	$17,481,627	$12,490,697	$333,072,854	$4,990,930
2021	$13,383,027	$10,896,116	$320,707,218	$2,486,911
2020	$11,754,043	$10,874,503	$264,595,783	$879,540
2019	$12,157,101	$11,305,989	$223,408,099	$851,112
2018	$11,608,714	$10,425,024	$211,180,616	$1,183,690

MOUNTAIN CREDIT UNION