O'NEAL CREDIT UNION (EIN 630459546) - Form 990 Financial Analysis & Trantor Score

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Tuckman-Chang Vulnerability Assessment

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

1955

Legal Domicile

Principal Officer

DEBRA YORK

Phone

2055998010

Tax Period

2021-01-01 to 2021-12-31

O'NEAL CREDIT UNION, founded in 1955, is a small nonprofit that reported $117K in total revenue in fiscal year 2018. The organization ran a surplus of $20K, a strong 17% operating margin.

Mission

CREDIT UNION - TO PROVIDE FINANCIAL SERVICES FOR ITS MEMBERS.

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Trantor Score

Financial Health & Payment Capacity Assessment (FICO Scale: 300–850)

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2021)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $83,275

Investment Income $1,517

Other Revenue $567

TOTAL REVENUE $85,359

Expense Breakdown

Grants Paid $0

Salaries & Benefits $59,152

Fundraising Expenses $0

Program Expenses $87,979

Other Expenses $28,827

TOTAL EXPENSES $87,979

Year-over-Year Comparison

	2021	2020	Change
Revenue	$85,359	$98,040	-0.1%
Expenses	$87,979	$92,473	0.0%
Net Income	$-2,620	$5,567	-1.5%

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

$55,173

Total Directors

$55,173

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DEBRA YORK	TREASURER/MA	40.00	Officer Director	$47,210	$7,963	$55,173
RICHARD PHILLIPS	CHAIRMAN	1.00	Director	$0	$0	$0
SHEA KENNEDY	VICE CHAIRMA	1.00	Director	$0	$0	$0
THERESA RATLIFF	SECRETARY	1.00	Director	$0	$0	$0
JOSEPH KOLACZEK	BOARD MEMBER	1.00	Director	$0	$0	$0
MIKE LOIACONA	SUPERVISORY	1.00	Officer	$0	$0	$0
RYAN CAMPBELL	SUPERVISORY	1.00	Officer	$0	$0	$0
MELISSA MARTIN	SUPERVISORY	1.00	Officer	$0	$0	$0
SHERRY WALLACE	CREDIT COMM	1.00	Officer	$0	$0	$0
STEVE HOLLEY	CREDIT COMM	1.00	Officer	$0	$0	$0
DUANE WELLS	CREDIT COMM	1.00	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
2021	$85,359	$87,979	$2,500,848	$-2,620
2020	$98,040	$92,473	$2,389,118	$5,567
2019	$115,338	$98,115	$2,385,656	$17,223
2018	$116,792	$96,755	$2,573,859	$20,037

O'NEAL CREDIT UNION