KENTUCKY CREDIT UNION LEAGUE INC

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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

1934

Legal Domicile

Principal Officer

JAMES KASCH

Phone

5024598023

Tax Period

2023-01-01 to 2023-12-31

KENTUCKY CREDIT UNION LEAGUE INC, founded in 1934, is a community nonprofit that reported $1.4M in total revenue in fiscal year 2023. Expenses of $1.3M left a modest 6% surplus.

Mission

TO PROVIDE MEMBER CREDIT UNIONS WITH EDUCATION MATERIALS, RESEARCH AND DEVELOPMENT, ADVERTISING, ANNUAL MEETINGS, ETC.

Program Service Accomplishments

Program 1

ORGANIZED ANNUAL MEETING FOR MEMBER CREDIT UNIONS

Program 2

PROVIDED EDUCATION SERVICES AND MATERIALS TO MEMBER CREDIT UNIONS

Program 3

PROVIDED LEGISLATIVE AWARENESS SERVICES TO MEMBER CREDIT UNIONS

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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 $965,505

Program Service Revenue $332,746

Investment Income $54,351

Other Revenue $43,653

TOTAL REVENUE $1,396,255

Expense Breakdown

Grants Paid $3,910

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $1,306,175

TOTAL EXPENSES $1,310,085

Year-over-Year Comparison

	2023	2022	Change
Revenue	$1,396,255	$1,297,019	+0.1%
Expenses	$1,310,085	$1,230,329	+0.1%
Net Income	$86,170	$66,690	+0.3%

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

$250,867

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
LARRY LUCAS	CHAIR	1.00	Officer Director	$0	$0	$0
KAREN HARBIN	FIRST VICE CHAIR	1.00	Officer Director	$0	$0	$0
ALESHA SAALWAECHER	SECOND VICE CHAIR	1.00	Officer Director	$0	$0	$0
LYNN HUETHER	SECRETARY	1.00	Officer Director	$0	$0	$0
RAY SPRINGSTEEN	TREASURER	6.00	Officer Director	$0	$0	$0
PAUL ADAMS	CHAPTER DIRECTOR	1.00	Director	$0	$0	$0
MALLORY MILLER	CHAPTER DIRECTOR	1.00	Director	$0	$0	$0
HEATHER WALTER	CHAPTER DIRECTOR	1.00	Director	$0	$0	$0
PIPER GRAHAM	CHAPTER DIRECTOR	1.00	Director	$0	$0	$0
DAVID DEBORDE	DIRECTOR AT LARGE	1.00	Director	$0	$0	$0
CHRIS BROWN	DIRECTOR AT LARGE	1.00	Director	$0	$0	$0
DAVID KENNEDY	DIRECTOR AT LARGE	1.00	Director	$0	$0	$0
JIM SPRADLIN	DIRECTOR AT LARGE	1.00	Director	$0	$0	$0
DR JAMES MCCASLIN	VOLUNTEER DIRECTOR	1.00	Director	$0	$0	$0
JAMES KASCH	CEO - STARTING SEPTEMBER 2023	25.00	Officer	$0	$0	$87,923
DEBORAH PAINTER	CEO - UNTIL AUGUST 2023	25.00	Officer	$0	$18,766	$162,944

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	No data	No data	No data	No data
2023	$1,396,255	$1,310,085	$2,220,209	$86,170
2022	$1,297,019	$1,230,329	$2,711,710	$66,690
2021	$1,264,190	$1,202,554	$2,562,199	$61,636
2020	$1,051,288	$1,008,723	$2,117,896	$42,565
2019	$1,377,319	$1,313,450	$2,154,782	$63,869
2018	$1,191,915	$1,213,546	$2,027,777	$-21,631