FORT MCPHERSON CREDIT UNION (EIN 580551717) - 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

1948

Legal Domicile

Principal Officer

DAVID A PRETER

Phone

4045751817

Tax Period

2021-01-01 to 2021-09-30

FORT MCPHERSON CREDIT UNION, founded in 1948, is a small nonprofit that reported $747K in total revenue in fiscal year 2021. Revenue fell 37% from the prior year — a significant decline worth monitoring. Expenses of $2.4M exceeded revenue, resulting in a 225% operating deficit.

Mission

STATE CHARTERED MEMBER SERVED 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 (2021)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $661,500

Investment Income $85,151

Other Revenue $0

TOTAL REVENUE $746,651

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,284,319

Fundraising Expenses $0

Other Expenses $1,145,880

TOTAL EXPENSES $2,430,199

Year-over-Year Comparison

	2021	2020	Change
Revenue	$746,651	$1,191,681	-0.4%
Expenses	$2,430,199	$1,325,894	+0.8%
Net Income	$-1,683,548	$-134,213	+11.5%

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

$1,007,184

Total Directors

$1,007,184

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
AMANDA OSBORNE	CEO/ BOARD SECRETARY	40.00	Officer Director	$508,686	$16,298	$524,984
BRENDA DANIEL-GIBSON	VICE PRESIDENT/ DIRECTOR	40.00	Officer Director	$466,801	$15,399	$482,200
NORMAN LABRECQUE	CHAIRPERSON	1.00	Director	$0	$0	$0
DIANE PITT	VICE CHAIRPERSON	1.00	Director	$0	$0	$0
TOMMY WHITE	BOARD TREASURER	1.00	Director	$0	$0	$0
CAROLYN GRANT	DIRECTOR	1.00	Director	$0	$0	$0
HAL BERGIN	DIRECTOR	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
2021	$746,651	$2,430,199	No data	$-1,683,548
2020	$1,206,329	$1,342,086	$26,420,607	$-135,757
2019	$1,366,015	$1,283,400	$23,407,606	$82,615
2018	$1,342,133	$1,292,398	$23,272,822	$49,735

FORT MCPHERSON CREDIT UNION