FLORIDA DEPARTMENT OF TRANSPORTATION CREDIT UNION (EIN 596140072) - 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

1959

Legal Domicile

Principal Officer

KEVIN KEITH

Phone

8504144400

Tax Period

2021-01-01 to 2021-12-31

FLORIDA DEPARTMENT OF TRANSPORTATION CREDIT UNION, founded in 1959, is a community nonprofit that reported $1.9M in total revenue in fiscal year 2021.

Mission

THE CREDIT UNION IS ORGANIZED FOR THE PURPOSE OF ENCOURAGING THRIFT AMONG ITS MEMBERS AND OFFERING QUALITY FINANCIAL SERVICES AT FAIR AND REASONABLE RATES.

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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 $1,071,872

Investment Income $450,652

Other Revenue $384,569

TOTAL REVENUE $1,907,093

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,173,602

Fundraising Expenses $0

Other Expenses $921,790

TOTAL EXPENSES $2,095,392

Year-over-Year Comparison

	2021	2020	Change
Revenue	$1,907,093	$1,883,132	+0.0%
Expenses	$2,095,392	$2,003,558	+0.0%
Net Income	$-188,299	$-120,426	+0.6%

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

$372,451

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JUANITA MOORE	CHAIRPERSON	1.00	Officer Director	$0	$0	$0
TERRY MCCUE	VICE-CHAIRPERSON	1.00	Officer Director	$0	$0	$0
PAT KELLY	BOARD MEMBER	1.00	Director	$0	$0	$0
CAROLYN SCARABIN	BOARD MEMBER	1.00	Director	$0	$0	$0
KENDRA SHEFFIELD	TREASURER	1.00	Officer Director	$0	$0	$0
DOUGLAS MARTIN	SECRETARY	1.00	Officer Director	$0	$0	$0
CONNIE SHERMAN	BOARD MEMBER	1.00	Director	$0	$0	$0
KEVIN KEITH	PRESIDENT/CEO	40.00	Officer	$132,588	$71,125	$203,713
MARY BUCHHOLZ	CFO	40.00	Officer	$109,377	$59,361	$168,738

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	$1,907,093	$2,095,392	No data	$-188,299
2020	$1,883,132	$2,003,558	$56,168,237	$-120,426
2019	$2,125,132	$1,913,442	$50,335,810	$211,690
2018	$2,036,204	$1,979,250	$48,360,402	$56,954

FLORIDA DEPARTMENT OF TRANSPORTATION CREDIT UNION