WHITESVILLE COMMUNITY CREDIT UNION (EIN 610648221) - 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

1962

Legal Domicile

Principal Officer

Kim Greer

Phone

2702334447

Tax Period

2024-01-01 to 2024-12-31

WHITESVILLE COMMUNITY CREDIT UNION, founded in 1962, is a community nonprofit that reported $1.4M in total revenue in fiscal year 2024. Revenue surged 28% from the prior year, signaling strong growth momentum. The organization ran a surplus of $332K, a strong 24% operating margin.

Mission

TO PROVIDE LOW COST LOANS TO MEMBERS AND TO PROVIDE SAVINGS AND CHECKING ACCOUNTS WITH A FAIR RATE OF RETURN AND LOW FEES.

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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 (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $731,427

Investment Income $654,734

Other Revenue $0

TOTAL REVENUE $1,386,161

Expense Breakdown

Grants Paid $0

Salaries & Benefits $419,154

Fundraising Expenses $0

Other Expenses $634,913

TOTAL EXPENSES $1,054,067

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,386,161	$1,083,144	+0.3%
Expenses	$1,054,067	$954,061	+0.1%
Net Income	$332,094	$129,083	+1.6%

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

$87,175

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
KIM GREER	CEO	40.00	Officer	$87,175	$0	$87,175
JOSEPH HOWARD	Treasurer	0.00	Director	$0	$0	$0
RANDAL MURPHY	Director	0.00	Director	$0	$0	$0
JOSEPH HOWARD	Treasurer	0.00	Director	$0	$0	$0
JOSEPH MILLAY	Secretary	0.00	Director	$0	$0	$0
DONNY SMITH	Director	0.00	Director	$0	$0	$0
DONNY HOWARD	Chairman	0.00	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
2024	$1,386,161	$1,054,067	$33,106,689	$332,094
2023	$1,083,144	$954,061	$34,210,802	$129,083
2022	$864,013	$751,997	$36,466,413	$112,016
2021	$695,779	$666,737	$34,579,062	$29,042
2020	$784,265	$656,008	$30,091,579	$128,257
2019	$850,102	$702,392	$27,093,447	$147,710
2018	$722,383	$638,445	$25,981,014	$83,938

WHITESVILLE COMMUNITY CREDIT UNION