SANTEE COOPER CREDIT UNION (EIN 570379898) - 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

1953

Legal Domicile

Principal Officer

TRAVIS L ALLEN

Phone

8437614001

Tax Period

2025-01-01 to 2025-12-31

SANTEE COOPER CREDIT UNION, founded in 1953, is a community nonprofit that reported $5.9M in total revenue in fiscal year 2025. The organization ran a surplus of $1.5M, a strong 25% operating margin.

Mission

SANTEE COOPER CREDIT UNION IS A STATE CHARTERED CREDIT UNION PROVIDING TWO PRIMARY NEEDS. THE FIRST IS THAT OF PROVIDING A CONVENIENT DEPOSITORY FOR ITS MEMBERS' FUNDS WHEREBY INDIVIDUALS MAY ENGAGE IN A SYSTEMATIC PLAN OF SAVINGS AND EARN A COMPETITIVE RATE OF RETURN. SECONDLY, THE CREDIT UNION SERVES AS A SOURCE OF FINANCIAL ASSISTANCE TO AID ITS MEMBERS WITH THEIR CONSUMER AND FINANCIAL NEEDS BY PROVIDING REASONABLE AND AFFORABLE LOANS TO QUALIFIED MEMBERS.

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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 (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $3,517,047

Investment Income $1,043,053

Other Revenue $1,292,241

TOTAL REVENUE $5,852,341

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,999,812

Fundraising Expenses $0

Other Expenses $2,374,242

TOTAL EXPENSES $4,374,054

Year-over-Year Comparison

	2025	2024	Change
Revenue	$5,852,341	$5,458,788	+0.1%
Expenses	$4,374,054	$3,778,599	+0.2%
Net Income	$1,478,287	$1,680,189	-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

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

$326,674

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
TRAVIS L ALLEN	PRESIDENT/CE	40.00	Highest	$157,752	$0	$157,752
RHONDA ROSENBERGER	VICE PRESIDE	40.00	Officer	$120,143	$0	$120,143
NANCY M JONES	INTERIM PRES	40.00	Officer	$103,441	$0	$103,441
LYNN RAY	VICE PRESIDE	40.00	Officer	$103,090	$0	$103,090
WILLIAM K BARLOW	BOARD MEMBER	1.00	Director	$0	$0	$0
YAJAIRA BESS	SECRETARY	1.00	Director	$0	$0	$0
ROSA LEE DEAVERS	CHAIR	1.00	Director	$0	$0	$0
WILLIAM FINN	BOARD MEMBER	1.00	Director	$0	$0	$0
JOHN FONDREN	BOARD MEMBER	1.00	Director	$0	$0	$0
VERNON HARDEE	BOARD MEMBER	1.00	Director	$0	$0	$0
DENNY THOMPSON	TREASURER	1.00	Director	$0	$0	$0
KAREN WHALEY	VICE CHAIR	1.00	Director	$0	$0	$0
CHRIS WILSON	BOARD MEMBER	1.00	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	$5,852,341	$4,374,054	$89,122,932	$1,478,287
2024	$5,458,788	$3,778,599	$77,885,740	$1,680,189
2023	$4,497,182	$3,013,923	$80,012,284	$1,483,259
2022	$3,214,849	$2,418,303	$78,167,946	$796,546
2022	$3,214,849	$2,418,303	$78,167,946	$796,546
2021	$2,962,772	$2,269,973	$74,751,684	$692,799
2020	$2,924,278	$2,362,904	$66,192,135	$561,374
2019	$3,011,848	$2,274,964	$58,270,340	$736,884
2018	$2,818,741	$2,142,468	$53,426,590	$676,273

SANTEE COOPER CREDIT UNION