United Savers Trust Credit Union (EIN 741476892) - 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

1952

Legal Domicile

Principal Officer

Charlotte Aubry

Tax Period

2022-01-01 to 2022-12-31

United Savers Trust Credit Union, founded in 1952, is a small nonprofit that reported $366K in total revenue in fiscal year 2022.

Mission

We are a provider of credit union services which include low cost loans and dividends paid on savings accounts 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 (2022)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $346,056

Investment Income $10,642

Other Revenue $9,400

TOTAL REVENUE $366,098

Expense Breakdown

Grants Paid $0

Salaries & Benefits $156,461

Fundraising Expenses $0

Program Expenses $394,497

Other Expenses $238,036

TOTAL EXPENSES $394,497

Year-over-Year Comparison

	2022	2021	Change
Revenue	$366,098	$360,391	+0.0%
Expenses	$394,497	$380,227	+0.0%
Net Income	$-28,399	$-19,836	+0.4%

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Isham Williams	Director	1.00	Director	$0	$0	$0
Dennis Vine	Treasurer	1.00	Director	$0	$0	$0
Margaret Coco	Director	1.00	Director	$0	$0	$0
Michael Richardson	Director	1.00	Director	$0	$0	$0
Scott Borman	Director	1.00	Director	$0	$0	$0
George Eberly III	Vice Chair	1.00	Director	$0	$0	$0
Matt Pentifallo	Chairman	1.00	Officer	$0	$0	$0
Janice Tubbs	Director	1.00	Officer	$0	$0	$0
Charlotte Aubry	President	40.00	Officer Highest	$0	$0	$0
Daintee Hurst	Secretary	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
2022	$366,098	$394,497	$6,601,086	$-28,399
2021	$360,391	$380,227	$6,941,387	$-19,836
2020	$396,497	$371,400	$6,850,993	$25,097
2019	$407,473	$372,034	$6,506,578	$35,439
2018	$422,298	$403,383	$6,139,455	$18,915

United Savers Trust Credit Union