FELLOWSHIP CREDIT UNION (EIN 741147936) - 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

PAM JONES

Phone

2105994488

Tax Period

2018-01-01 to 2018-12-31

FELLOWSHIP CREDIT UNION, founded in 1941, is a small nonprofit that reported $773K in total revenue in fiscal year 2018. Expenses of $2.7M exceeded revenue, resulting in a 251% operating deficit.

Mission

CREDIT UNION IS A VOLUNTARY, COOPERATIVE, NON-PROFIT SAVINGS INSTITUTION, INCORPORATED UNDER THE PROVISIONS OF THE TEXAS CREDIT UNION ACT FOR THE PURPOSE OF ENCOURAGING THRIFT AMONG ITS MEMBERS, PROVIDING CREDIT AT A FAIR AND REASONABLE RATE OF INTEREST AND PROVIDING AN OPPORTUNITY TO IMPROVE THEIR ECONOMIC CONDITION. THE CREDIT UNION OFFERS PRODUCTS AND SERVICES IN THREE PRIMARY AREAS: SHARE ACCOUNTS, CHECKING ACCOUNTS, AND LOANS.

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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 (2018)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $618,220

Investment Income $154,893

Other Revenue $0

TOTAL REVENUE $773,113

Expense Breakdown

Grants Paid $0

Salaries & Benefits $475,578

Fundraising Expenses $0

Other Expenses $325,745

TOTAL EXPENSES $2,711,643

Year-over-Year Comparison

	2018	2017	Change
Revenue	$773,113	$803,396	0.0%
Expenses	$2,711,643	$769,644	+2.5%
Net Income	$-1,938,530	$33,752	-58.4%

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

$171,816

Total Directors

$177,966

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
WILLIAM V HARTMAN	CHAIRMAN	1.00	Officer Director	$5,550	$0	$5,550
RAYMOND SCZEPANIK	VICE CHAIRMA	1.00	Officer Director	$5,550	$0	$5,550
EDNA GECKLER	SECRETARY	1.00	Officer Director	$1,550	$0	$1,550
PAM JONES	TREASURER/PR	40.00	Officer Director	$159,166	$0	$159,166
SHARON DRESCH	DIRECTOR	1.00	Director	$3,050	$0	$3,050
ALBERT PAWLY III	DIRECTOR	1.00	Director	$1,550	$0	$1,550
JANICE LENZ	DIRECTOR	1.00	Director	$1,550	$0	$1,550

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
2018	$773,113	$2,711,643	$17,780,948	$-1,938,530

FELLOWSHIP CREDIT UNION