EDUCATION CREDIT UNION COUNCIL INC (EIN 630812663) - 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

1990

Legal Domicile

Phone

6072154164

Tax Period

2023-07-01 to 2024-06-30

EDUCATION CREDIT UNION COUNCIL INC, founded in 1990, is a small nonprofit that reported $247K in total revenue in fiscal year 2023. Revenue grew 15% year-over-year, indicating healthy expansion. Expenses of $221K left a modest 10% surplus.

Mission

TRADE ASSOCIATION

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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 $43,995

Program Service Revenue $197,293

Investment Income $5,473

Other Revenue $0

TOTAL REVENUE $246,761

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $135,972

Other Expenses $221,272

TOTAL EXPENSES $221,272

Year-over-Year Comparison

	2023	2022	Change
Revenue	$246,761	$215,104	+0.1%
Expenses	$221,272	$195,692	+0.1%
Net Income	$25,489	$19,412	+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

N/A

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
Scott Arkills	Director	1.00	Director	$0	$0	$0
Andy Grimm	President	1.00	Officer Director	$0	$0	$0
Tom Anonson	Secretary	1.00	Officer Director	$0	$0	$0
Jody Dabrowski	Treasurer	1.00	Officer Director	$0	$0	$0
Gerald Baird	Director	1.00	Director	$0	$0	$0
Gary Perez	Vice President	1.00	Officer Director	$0	$0	$0
Alonia Sharps	Director	1.00	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
2025	No data	No data	No data	No data
2024	$246,761	$221,272	$242,020	$25,489
2023	$215,104	$195,692	$228,686	$19,412
2022	$155,872	$181,878	$206,348	$-26,006
2021	$53,446	$68,722	$223,971	$-15,276
2020	$195,608	$246,376	$233,159	$-50,768
2019	$263,158	$272,829	$286,096	$-9,671

EDUCATION CREDIT UNION COUNCIL INC