ELECTRIC UTILITIES CREDIT UNION (EIN 751157616) - 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

1950

Legal Domicile

Principal Officer

CLAY BEARDEMPHL

Phone

4322633442

Tax Period

2023-01-01 to 2023-12-31

ELECTRIC UTILITIES CREDIT UNION, founded in 1950, is a small nonprofit that reported $247K in total revenue in fiscal year 2023. Revenue surged 24% from the prior year, signaling strong growth momentum.

Mission

COOPERATIVE PROVIDER OF CREDIT UNION SERVICES SUCH AS SAVINGS ACCOUNTS, CHECKING ACCOUNTS, AND CONSUMER LOANS

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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 $104,417

Investment Income $142,419

Other Revenue $0

TOTAL REVENUE $246,836

Expense Breakdown

Grants Paid $0

Salaries & Benefits $59,015

Fundraising Expenses $0

Other Expenses $206,532

TOTAL EXPENSES $265,547

Year-over-Year Comparison

	2023	2022	Change
Revenue	$246,836	$198,356	+0.2%
Expenses	$265,547	$188,391	+0.4%
Net Income	$-18,711	$9,965	-2.9%

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
JESSICA RUBIO	DIRECTOR	1.00	Director	$0	$0	$0
JAN HANSON	VICE CHAIRMAN	1.00	Officer Director	$0	$0	$0
LAURA MARTIN	SECRETARY	1.00	Officer Director	$0	$0	$0
SAMMY REYNA	DIRECTOR	1.00	Director	$0	$0	$0
LOUIS SALAZAR	CHAIRMAN	1.00	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
2023	$246,836	$265,547	No data	$-18,711
2022	$198,356	$188,391	$7,232,663	$9,965
2021	$179,960	$194,265	$6,368,404	$-14,305
2020	$211,611	$217,024	$6,242,847	$-5,413
2019	$228,509	$221,763	$6,052,170	$6,746
2018	$221,189	$211,559	$6,902,221	$9,630

ELECTRIC UTILITIES CREDIT UNION