METROPOLITAN TEACHERS CREDIT UNION (EIN 620638727) - 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

1957

Legal Domicile

Phone

6153214622

Tax Period

2024-01-01 to 2024-12-31

METROPOLITAN TEACHERS CREDIT UNION, founded in 1957, is a small nonprofit that reported $193K in total revenue in fiscal year 2024. Expenses of $301K exceeded revenue, resulting in a 55% operating deficit.

Mission

TO PROVIDE MEMBERS AFFORDABLE LOAN SERVICES AND REASONABLE AND SAFE RETURN ON SAVINGS AND INVESTMENT ACCOUNTS

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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 $60,000

Program Service Revenue $133,439

Investment Income $0

Other Revenue $0

TOTAL REVENUE $193,439

Expense Breakdown

Grants Paid $0

Salaries & Benefits $30,502

Fundraising Expenses $0

Other Expenses $270,101

TOTAL EXPENSES $300,603

Year-over-Year Comparison

	2024	2023	Change
Revenue	$193,439	$186,349	+0.0%
Expenses	$300,603	$276,595	+0.1%
Net Income	$-107,164	$-90,246	+0.2%

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

N/A

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
SAMUEL E KIRK	BOARD PRESIDENT	20.00	Officer Director	$0	$0	$0
DERRICK WILLIAMS	VICE PRESIDENT	2.00	Officer Director	$0	$0	$0
CANDRA CLARIETTE	SECRETARY	2.00	Officer Director	$0	$0	$0
SONYA BROOKS	DIRECTOR	2.00	Director	$0	$0	$0
DONNIE CRENSHAW	DIRECTOR	2.00	Director	$0	$0	$0
ELEASE JOLLEY	DIRECTOR	2.00	Director	$0	$0	$0
BEVERLY BARTON	TREASURER	20.00	Officer	$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	$193,439	$300,603	$2,464,836	$-107,164
2023	$186,349	$276,595	$2,622,661	$-90,246
2022	$253,385	$245,579	$2,958,958	$7,806
2021	$133,315	$235,574	$2,604,767	$-102,259
2020	$102,125	$264,313	$2,622,202	$-162,188
2019	$125,857	$254,855	$2,555,238	$-128,998
2018	$120,697	$242,471	$2,391,440	$-121,774

METROPOLITAN TEACHERS CREDIT UNION