MONTANA CREDIT UNIONS FOR COMMUNITY DEVELOPMENT (EIN 753103575) - 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

2003

Legal Domicile

Principal Officer

GERRY SINGLETON

Phone

4064429081

Tax Period

2024-01-01 to 2024-12-31

MONTANA CREDIT UNIONS FOR COMMUNITY DEVELOPMENT, founded in 2003, is a small nonprofit in the Human Services sector that reported $148K in total revenue in fiscal year 2024. Revenue decreased 15% compared to the prior year. The organization ran a surplus of $24K, a strong 16% operating margin.

Mission

TO IMPLEMENT PROGRAMS THROUGH MONTANA CREDIT UNIONS THAT IMPROVE THE SOCIAL AND ECONOMIC WELL-BEING OF MONTANA CONSUMERS.

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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 $101,696

Program Service Revenue $0

Investment Income $21,378

Other Revenue $24,539

TOTAL REVENUE $147,613

Expense Breakdown

Grants Paid $0

Salaries & Benefits $70,000

Fundraising Expenses $0

Program Expenses $80,958

Other Expenses $54,107

TOTAL EXPENSES $124,107

Year-over-Year Comparison

	2024	2023	Change
Revenue	$147,613	$174,301	-0.2%
Expenses	$124,107	$184,837	-0.3%
Net Income	$23,506	$-10,536	-3.2%

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

N/A

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

$342,455

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JEREMY PRESTA	CHAIR	1.00	Officer Director	$0	$0	$0
LINDSAY BEATY	VICE CHAIR	1.00	Officer Director	$0	$0	$0
LESLIE WOMACK	SECRETARY/TREASURER	1.00	Officer Director	$0	$0	$0
TOM BOOS	DIRECTOR	1.00	Director	$0	$0	$0
JACK LAWSON	DIRECTOR	1.00	Director	$0	$0	$0
ANNAMARIE DEYOUNG	DIRECTOR	1.00	Director	$0	$0	$0
DARCI PARSONS	DIRECTOR	1.00	Director	$0	$0	$0
GERRY SINGLETON	CEO	1.00	Officer	$0	$45,578	$342,455

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
2025	No data	No data	No data	No data
2024	$147,613	$124,107	$434,189	$23,506
2023	$174,301	$184,837	$410,584	$-10,536
2022	$175,409	$183,313	$421,243	$-7,904
2021	$137,048	$291,005	$433,812	$-153,957
2020	$173,426	$264,401	$584,070	$-90,975
2019	$178,508	$286,517	$660,524	$-108,009
2018	$262,018	$342,096	$769,115	$-80,078

MONTANA CREDIT UNIONS FOR COMMUNITY DEVELOPMENT