THD DIST 17 CREDIT UNION (EIN 741301974) - 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

1956

Legal Domicile

Principal Officer

Kimberly Joy

Phone

9797788433

Tax Period

2025-01-01 to 2025-12-31

THD DIST 17 CREDIT UNION, founded in 1956, is a small nonprofit that reported $219K in total revenue in fiscal year 2025. Net assets of $839K represent 46 months of operating reserves.

Mission

A cooperative thrift organization known as a "Credit Union" to build members' worth through a systematic savings program and to provide loans for provident and productive purposes.

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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 (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $136,525

Investment Income $75,110

Other Revenue $7,715

TOTAL REVENUE $219,350

Expense Breakdown

Grants Paid $0

Salaries & Benefits $89,058

Fundraising Expenses $0

Program Expenses $0

Other Expenses $124,315

TOTAL EXPENSES $213,373

Year-over-Year Comparison

	2025	2024	Change
Revenue	$219,350	$225,772	0.0%
Expenses	$213,373	$214,523	0.0%
Net Income	$5,977	$11,249	-0.5%

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

$36,900

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Kimberly Joy	President/Manager	35	Key Emp	$36,900	$0	$36,900
Board Member 1	Chairman	1	Officer Director	$0	$0	$0
Board Member 2	Vice Chairman	1	Officer Director	$0	$0	$0
Board Member 3	Secretary-Treasurer	1	Officer Director	$0	$0	$0
Board Member 4	Director	1	Director	$0	$0	$0
Board Member 5	Director	1	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	$219,350	$213,373	$4,220,008	$5,977
2024	$225,772	$214,523	$4,025,730	$11,249
2023	$197,890	$180,272	$3,855,737	$17,618
2022	$140,328	$126,524	$4,255,486	$13,804
2021	$162,438	$139,347	$4,181,140	$23,091
2020	$137,113	$112,780	$3,535,021	$24,333

THD DIST 17 CREDIT UNION