LINKAGE CREDIT UNION (EIN 740842652) - 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

1965

Legal Domicile

Principal Officer

MANDY HOLLE JOHNSON

Phone

2547541168

Tax Period

2024-01-01 to 2024-12-31

LINKAGE CREDIT UNION, founded in 1965, is a community nonprofit that reported $1.3M in total revenue in fiscal year 2024. Revenue grew 10% year-over-year, indicating healthy expansion. Expenses of $1.2M left a modest 7% surplus.

Mission

TO PROVIDE AFFORDABLE FINANCIAL SERVICES TO OUR 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 (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $1,319,162

Investment Income $0

Other Revenue $0

TOTAL REVENUE $1,319,162

Expense Breakdown

Grants Paid $0

Salaries & Benefits $429,840

Fundraising Expenses $0

Program Expenses $1,230,717

Other Expenses $800,877

TOTAL EXPENSES $1,230,717

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,319,162	$1,196,340	+0.1%
Expenses	$1,230,717	$1,105,134	+0.1%
Net Income	$88,445	$91,206	0.0%

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

2091

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

$106,175

Total Directors

$106,175

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MANDY HOLLE JOHNSON	PRESIDENT/CEO	40.00	Officer Director	$101,479	$4,696	$106,175
GEORGE BALADY	DIRECTOR	1.00	Director	$0	$0	$0
MARK GILHAM	DIRECTOR	1.00	Officer Director	$0	$0	$0
PAUL LASATER	DIRECTOR	1.00	Director	$0	$0	$0
CHRISTINE KELLY	CHAIRMAN	1.00	Officer Director	$0	$0	$0
SHANE SMITH	VICE CHAIRMAN	1.00	Officer Director	$0	$0	$0
RICHARD GARCIA	CHAIRMAN	1.00	Officer Director	$0	$0	$0
LARRY TAYLOR	DIRECTOR	1.00	Director	$0	$0	$0
THERESA HILL	SECRETARY/TREASURER	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
2025	No data	No data	No data	No data
2024	$1,319,162	$1,230,717	$17,519,843	$88,445
2023	$1,196,340	$1,105,134	$18,356,687	$91,206
2022	$1,105,764	$927,618	$19,035,731	$178,146
2021	$1,084,222	$877,544	$17,593,811	$206,678
2020	$1,048,304	$864,702	$16,178,300	$183,602
2019	$1,053,082	$876,940	$14,906,575	$176,142
2018	$958,173	$843,109	$14,848,716	$115,064

LINKAGE CREDIT UNION