ACU CREDIT UNION (EIN 751108961) - 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

1951

Legal Domicile

Phone

3256742486

Tax Period

2023-01-01 to 2023-12-31

ACU CREDIT UNION, founded in 1951, is a small nonprofit that reported $206K in total revenue in fiscal year 2023. Revenue surged 32% from the prior year, signaling strong growth momentum. Expenses of $180K left a modest 12% surplus.

Mission

TO PROVIDE HIGH QUALITY SAVINGS RATES AND LOW LOAN RATES TO MEMEBER OWNERS

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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 (2023)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $175,950

Investment Income $29,814

Other Revenue $0

TOTAL REVENUE $205,764

Expense Breakdown

Grants Paid $0

Salaries & Benefits $85,647

Fundraising Expenses $0

Other Expenses $94,754

TOTAL EXPENSES $180,401

Year-over-Year Comparison

	2023	2022	Change
Revenue	$205,764	$155,826	+0.3%
Expenses	$180,401	$150,400	+0.2%
Net Income	$25,363	$5,426	+3.7%

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

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
VICKI BRITTEN	Director	1.00	Director	$0	$0	$0
JOE CARDOT	Chairman	1.00	Director	$0	$0	$0
MELISSA ATKINSON	Director	1.00	Director	$0	$0	$0
NURIA HALL	Director	1.00	Director	$0	$0	$0
ERIC HARDEGREE	Director	1.00	Director	$0	$0	$0
PERRY HOLLY	Director	1.00	Director	$0	$0	$0
JENNI TRIETSCH	Secretary	1.00	Director	$0	$0	$0
MICHELLE VALENCIA	Director	1.00	Director	$0	$0	$0
PHIL VARDIMAN	Director	1.00	Director	$0	$0	$0
TROY A MANN	President & CEO	40.00	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
2023	$205,764	$180,401	$5,457,464	$25,363
2022	$155,826	$150,400	$6,131,576	$5,426

ACU CREDIT UNION