CREDIT UNION ONE OF OKLAHOMA (EIN 730590501) - 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

1948

Legal Domicile

Tax Period

2023-01-01 to 2023-12-31

CREDIT UNION ONE OF OKLAHOMA, founded in 1948, is a community nonprofit in the Public & Societal Benefit sector that reported $3.0M in total revenue in fiscal year 2023.

Mission

OFFERING FINANCIAL SERVICES TO 4476 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 (2023)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $1,913,857

Investment Income $336,071

Other Revenue $720,064

TOTAL REVENUE $2,969,992

Expense Breakdown

Grants Paid $0

Salaries & Benefits $938,817

Fundraising Expenses $0

Program Expenses $2,968,933

Other Expenses $2,030,116

TOTAL EXPENSES $2,968,933

Year-over-Year Comparison

	2023	2022	Change
Revenue	$2,969,992	$2,807,893	+0.1%
Expenses	$2,968,933	$2,528,754	+0.2%
Net Income	$1,059	$279,139	-1.0%

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

$246,962

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
TYREL MCCAIN	PRESIDENTCEO	60.00	Officer	$153,194	$7,262	$160,456
CHRIS MOSS	VICE PRESIDENT OF OPERATIONS	50.00	Officer	$80,977	$5,529	$86,506
CYNTHIA KINKADE	VICE-CHAIRMAN	1.00	Director	$0	$0	$0
JENNIE BERRY	TREASURER	1.00	Director	$0	$0	$0
PAT NOVY	MEMBER	1.00	Director	$0	$0	$0
FRED C SMITH	CHAIRMAN	1.00	Director	$0	$0	$0
MIKE FISCHER	MEMBER	1.00	Director	$0	$0	$0
CARLA MCCARRELL-WILLIAMS	MEMBER	1.00	Director	$0	$0	$0
JUDITH BURTON	SECRETARY	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
2024	No data	No data	No data	No data
2023	$2,969,992	$2,968,933	$45,878,047	$1,059
2022	$2,807,893	$2,528,754	$45,958,240	$279,139
2021	$2,378,763	$2,375,224	$48,057,259	$3,539
2020	$2,466,742	$2,626,152	$45,024,852	$-159,410
2019	$2,601,847	$2,548,719	$39,688,340	$53,128
2018	$2,843,991	$2,389,240	$40,926,150	$454,751

CREDIT UNION ONE OF OKLAHOMA