Coast Guard Employees Credit Union (EIN 720445861) - 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

1963

Legal Domicile

Phone

5046712289

Tax Period

2024-01-01 to 2024-12-31

Coast Guard Employees Credit Union, founded in 1963, is a small nonprofit in the Public & Societal Benefit sector that reported $231K in total revenue in fiscal year 2024. Expenses of $263K exceeded revenue, resulting in a 14% operating deficit.

Mission

To encourage thrift and wise use of credit among the membership. To provide low interest loans to Coast Guard employees, USCG active duty, retired employees, and USCG service members, USCG reservists, USCG auxiliary and immediate family.

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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 $122,036

Investment Income $108,666

Other Revenue $0

TOTAL REVENUE $230,702

Expense Breakdown

Grants Paid $0

Salaries & Benefits $147,156

Fundraising Expenses $0

Program Expenses $263,392

Other Expenses $116,236

TOTAL EXPENSES $263,392

Year-over-Year Comparison

	2024	2023	Change
Revenue	$230,702	$225,067	+0.0%
Expenses	$263,392	$307,437	-0.1%
Net Income	$-32,690	$-82,370	-0.6%

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

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
Valjon Lyons	CEO	40.00	Highest	$68,000	$0	$68,000
Joseph Sybille	Board Member	1.00	Director	$0	$0	$0
Trevor Blount	Chairperson	1.00	Officer Director	$0	$0	$0
Amelia Ceresa	Vice Chairperson	1.00	Officer Director	$0	$0	$0
Nicole Mulmore	Secretary	1.00	Officer Director	$0	$0	$0
Mark Taylor	Treasurer	1.00	Officer 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	$230,702	$263,392	$4,458,657	$-32,690
2023	$225,067	$307,437	$4,244,153	$-82,370

Coast Guard Employees Credit Union