NCE CREDIT UNION (EIN 741383594) - 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

1966

Legal Domicile

Principal Officer

YOMEIDA DELGADO

Phone

3618824780

Tax Period

2024-01-01 to 2024-12-31

NCE CREDIT UNION, founded in 1966, is a small nonprofit that reported $414K in total revenue in fiscal year 2024. Expenses of $395K left a modest 4% surplus.

Mission

ESTABLISH AND MAINTAIN A PROPERLY MANAGED CREDIT UNION OPERATING AT MAXIMUM FINANCIAL LEVELS AND RENDERING PROMPT, COURTEOUS SERVICE FOR ALL 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 $304,414

Investment Income $109,312

Other Revenue $0

TOTAL REVENUE $413,726

Expense Breakdown

Grants Paid $0

Salaries & Benefits $168,784

Fundraising Expenses $0

Program Expenses $395,450

Other Expenses $226,666

TOTAL EXPENSES $395,450

Year-over-Year Comparison

	2024	2023	Change
Revenue	$413,726	$384,912	+0.1%
Expenses	$395,450	$320,948	+0.2%
Net Income	$18,276	$63,964	-0.7%

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

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JUAN M ESCOBAR	CHARIMAN	2.00	Officer Director	$0	$0	$0
THELMA LOPEZ	CO-CHAIRMAN	2.00	Officer Director	$0	$0	$0
BRENDA K NUNEZ	SECRETARY/TREASURER	2.00	Officer Director	$0	$0	$0
JUDGE THELMA RODRIGUEZ	DIRECTOR	2.00	Director	$0	$0	$0
KERRY GINN	DIRECTOR	2.00	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	$413,726	$395,450	$5,608,470	$18,276
2023	$384,912	$320,948	$5,387,978	$63,964
2022	$336,992	$302,805	$5,289,022	$34,187
2021	$321,604	$277,340	$5,422,740	$44,264
2020	$317,786	$333,225	$5,424,758	$-15,439
2019	$345,297	$338,189	$5,153,728	$7,108
2018	$345,623	$320,689	$5,085,655	$24,934

NCE CREDIT UNION