OKLAHOMA CENTRAL CREDIT UNION (EIN 730731221) - 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

1941

Legal Domicile

Principal Officer

EUGENIA WILSON

Phone

9186646000

Tax Period

2023-01-01 to 2023-12-31

OKLAHOMA CENTRAL CREDIT UNION, founded in 1941, is a mid-sized nonprofit that reported $34.9M in total revenue in fiscal year 2023. Revenue surged 31% from the prior year, signaling strong growth momentum. The organization ran a surplus of $6.9M, a strong 20% operating margin.

Mission

TO MAKE A DIFFERENCE IN THE LIVES OF OUR EMPLOYEES, MEMBERS, AND THE COMMUNITIES WE SERVE.

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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 $24,219,258

Investment Income $9,871,565

Other Revenue $772,633

TOTAL REVENUE $34,863,456

Expense Breakdown

Grants Paid $53,090

Salaries & Benefits $10,421,419

Fundraising Expenses $0

Other Expenses $17,535,552

TOTAL EXPENSES $28,010,061

Year-over-Year Comparison

	2023	2022	Change
Revenue	$34,863,456	$26,582,769	+0.3%
Expenses	$28,010,061	$22,766,019	+0.2%
Net Income	$6,853,395	$3,816,750	+0.8%

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

177

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

$1,045,472

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
TIM HILLE	CHAIRPERSON	1.00	Director	$0	$0	$0
JOEL DOLLAR	VICE CHAIRPERSON	1.00	Director	$0	$0	$0
PENNY CHEFFEY	SECRETARY/TREASURER	1.00	Director	$0	$0	$0
ANDY MURPHREE	DIRECTOR	1.00	Director	$0	$0	$0
ANNE DORMAN	DIRECTOR	1.00	Director	$0	$0	$0
SUSAN PHELPS	DIRECTOR	1.00	Director	$0	$0	$0
JOHN KUSHNERICK	DIRECTOR	1.00	Director	$0	$0	$0
EUGENIA WILSON	PRESIDENT/CEO	40.00	Officer	$447,789	$167,371	$615,160
WILLIAM JOLIN	CFO	40.00	Officer	$177,765	$10,650	$188,415
SHELLI SCHROEDER	EVP COO	40.00	Officer	$217,654	$24,243	$241,897
KATRINA MORTON	VP OF LENDING	40.00	Highest	$151,838	$18,521	$170,359
JOYCE WHITE	VP OF ACCOUNTING	40.00	Highest	$143,659	$13,175	$156,834
JEREMY LIPPIATT	VP OF INTEGRATED TECHNOLOGY	40.00	Highest	$136,491	$12,279	$148,770
ALLEN COFFER	VP OF STRATEGIC & INNOVATION	40.00	Highest	$120,653	$11,867	$132,520
MARGUERITE VAVRICK	DIRECTOR OF HUMAN SERVICES	40.00	Highest	$114,671	$16,712	$131,383

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	$34,863,456	$28,010,061	$672,849,029	$6,853,395
2022	$26,582,769	$22,766,019	$692,106,442	$3,816,750
2021	$26,539,012	$22,526,783	$713,131,238	$4,012,229
2020	$28,267,614	$24,975,455	$662,316,829	$3,292,159
2019	$29,411,171	$27,068,863	$580,520,428	$2,342,308
2018	$27,287,380	$26,470,285	$554,749,561	$817,095

OKLAHOMA CENTRAL CREDIT UNION