HIGHWAY DISTRICT 19 EMPLOYEES CREDIT UNION (EIN 751082983) - 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

1961

Legal Domicile

Principal Officer

Vicki L Stroman

Phone

9037964423

Tax Period

2024-01-01 to 2024-12-31

HIGHWAY DISTRICT 19 EMPLOYEES CREDIT UNION, founded in 1961, is a small nonprofit that reported $437K in total revenue in fiscal year 2024. Revenue grew 12% year-over-year, indicating healthy expansion. Net assets of $1.5M represent 40 months of operating reserves.

Mission

A cooperative thrift organization known as a "Credit Union" to build members' worth through systematic savings and 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 (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $327,315

Investment Income $89,374

Other Revenue $20,802

TOTAL REVENUE $437,491

Expense Breakdown

Grants Paid $0

Salaries & Benefits $201,661

Fundraising Expenses $0

Program Expenses $0

Other Expenses $222,912

TOTAL EXPENSES $424,573

Year-over-Year Comparison

	2024	2023	Change
Revenue	$437,491	$392,003	+0.1%
Expenses	$424,573	$368,562	+0.2%
Net Income	$12,918	$23,441	-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

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
Manager	President/Manager	40.00	Highest	$62,043	$3,723	$65,766
Board Member	Director	1	Officer Director	$0	$0	$0
Board Member	Director	1	Director	$0	$0	$0
Board Member	Chairman	1	Officer Director	$0	$0	$0
Board Member	Vice Chairman	1	Officer Director	$0	$0	$0
Board Member	Secretary/Treasurer	1	Officer 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	$437,491	$424,573	$7,985,631	$12,918
2023	$392,003	$368,562	$8,407,872	$23,441
2022	$343,157	$363,430	$10,129,722	$-20,273
2021	$340,124	$361,214	$10,055,880	$-21,090
2020	$391,420	$370,610	$9,514,888	$20,810

HIGHWAY DISTRICT 19 EMPLOYEES CREDIT UNION