MUTUAL SAVINGS CREDIT UNION (EIN 586035870) - 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

1933

Legal Domicile

Principal Officer

BLANE MINK

Phone

2052266800

Tax Period

2024-01-01 to 2024-12-31

MUTUAL SAVINGS CREDIT UNION, founded in 1933, is a community nonprofit that reported $2.9M in total revenue in fiscal year 2018. Expenses of $2.6M left a modest 12% surplus.

Mission

COOPERATIVE CREDIT UNION

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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 (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $3,208,159

Investment Income $0

Other Revenue $0

TOTAL REVENUE $3,208,159

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,145,995

Fundraising Expenses $0

Other Expenses $1,864,963

TOTAL EXPENSES $3,010,958

Year-over-Year Comparison

	2024	2023	Change
Revenue	$3,208,159	$3,002,988	+0.1%
Expenses	$3,010,958	$2,829,215	+0.1%
Net Income	$197,201	$173,773	+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

$239,382

Total Directors

$261,432

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ELLIOTT C MOON JR	CEO/BOARD TREASURER	40.00	Officer Director	$239,382	$0	$239,382
JAMES ANDERSON	BOARD CHAIRPERSON	1.00	Director	$0	$0	$0
DAVID BLAKELY	DIRECTOR	1.00	Director	$0	$0	$0
JAMES BRAY	DIRECTOR	1.00	Director	$0	$0	$0
PHIL BUCHANAN	DIRECTOR	1.00	Director	$0	$0	$0
RONALD FORSTER	DIRECTOR / SUPERVISORY COMMITTEE MEMBER	1.00	Director	$0	$0	$0
SHANNON GARMON	BOD VICE CHAIR / SUPERVISORY COMMITTEE CHAIR	1.00	Director	$0	$0	$0
BRIAN HALL	DIRECTOR	1.00	Director	$0	$0	$0
BRIAN ARNBERGER	BOD SECRETARY / SUPERVISORY COMMITTEE MEMBER	1.00	Director	$0	$0	$0
JENNIFER FIORENZA	DIRECTOR AND CONTRACT EMPLOYEE	8.00	Director	$22,050	$0	$22,050
ALPA PATEL	DIRECTOR	1.00	Director	$0	$0	$0
KATIE GRAHAM	SUPERVISORY COMMITTEE MEMBER	1.00	Director	$0	$0	$0
EMILY OAMI	VP & CONTROLLER	40.00	Highest	$137,530	$0	$137,530

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	$3,208,159	$3,010,958	No data	$197,201
2023	$3,002,988	$2,829,215	$73,910,407	$173,773
2022	$2,739,562	$2,433,246	$81,683,568	$306,316
2021	$2,598,757	$2,398,273	$84,946,744	$200,484
2020	$2,854,776	$2,609,137	$78,365,558	$245,639
2019	$3,038,343	$2,836,440	$70,784,220	$201,903
2018	$2,886,440	$2,552,308	$68,318,292	$334,132

MUTUAL SAVINGS CREDIT UNION