WCG EMPLOYEES CREDIT UNION (EIN 620728870) - 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

Thomas Brewer

Phone

7315883504

Tax Period

2024-01-01 to 2024-12-31

WCG EMPLOYEES CREDIT UNION, founded in 1962, is a micro nonprofit that reported $52K in total revenue in fiscal year 2024. Revenue grew 11% year-over-year, indicating healthy expansion. The organization ran a surplus of $9K, a strong 18% operating margin.

Mission

Our mission is to provide our members a sound financial institution to save money and obtain affordable loans. Credit union serves 248 members.

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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 $31,035

Investment Income $19,785

Other Revenue $1,391

TOTAL REVENUE $52,211

Expense Breakdown

Grants Paid $0

Salaries & Benefits $11,022

Fundraising Expenses $0

Other Expenses $32,011

TOTAL EXPENSES $43,033

Year-over-Year Comparison

	2024	2023	Change
Revenue	$52,211	$46,987	+0.1%
Expenses	$43,033	$40,467	+0.1%
Net Income	$9,178	$6,520	+0.4%

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Role	Reportable Comp	Other Comp	Total
Shelly Bowers	Officer	Officer	$0	$0	$0
Barry High	Officer	Officer	$0	$0	$0
Brent Little	Officer	Officer	$0	$0	$0
Jim Reynolds	Officer	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
2025	No data	No data	No data	No data
2024	$52,211	$43,033	$1,031,619	$9,178
2023	$46,987	$40,467	$1,130,693	$6,520
2022	$32,412	$29,238	$1,170,498	$3,174
2021	$31,587	$29,089	$1,335,922	$2,498
2020	$32,957	$29,694	$1,195,548	$3,263

WCG EMPLOYEES CREDIT UNION