EMPLOYMENT SECURITY AGENCY CREDIT UNION (EIN 820214715) - 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

1940

Legal Domicile

Tax Period

2021-01-01 to 2021-12-31

EMPLOYMENT SECURITY AGENCY CREDIT UNION, founded in 1940, is a small nonprofit that reported $245K in total revenue in fiscal year 2021. Expenses of $365K exceeded revenue, resulting in a 49% operating deficit.

Mission

FINANCIAL SERVICES

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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 (2021)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $145,093

Investment Income $80,940

Other Revenue $18,507

TOTAL REVENUE $244,540

Expense Breakdown

Grants Paid $0

Salaries & Benefits $101,902

Fundraising Expenses $0

Program Expenses $364,597

Other Expenses $262,695

TOTAL EXPENSES $364,597

Year-over-Year Comparison

	2021	2020	Change
Revenue	$244,540	$244,399	+0.0%
Expenses	$364,597	$255,064	+0.4%
Net Income	$-120,057	$-10,665	+10.3%

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

1180

Independent Members

1180

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

$62,440

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
LOYAL PERRY III	MANAGER	40.00	Key Emp	$54,703	$0	$54,703
GREG SAILORS	LOAN OFFICER	40.00	Key Emp	$7,737	$0	$7,737
MARY REITHMAYR	SUPERVISERY COMMITTEE	1.00	Director	$0	$0	$0
LINDA GRIFFITTS	SUPERVISORY COMMITTEE	1.00	Director	$0	$0	$0
AMANDA REIFERS	DIRECTOR	1.00	Director	$0	$0	$0
CHARLES VANDERHOFF	DIRECTOR	1.00	Director	$0	$0	$0
KATHY MYERS	PRESIDENT	1.00	Officer Director	$0	$0	$0
CHRIS LAVELLE	TREASURER SECRETARY	1.00	Officer Director	$0	$0	$0
DIANE GRIFFITTS	VP	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
2021	$244,540	$364,597	No data	$-120,057
2020	$244,399	$255,064	$8,318,626	$-10,665
2019	$268,348	$263,991	$6,610,920	$4,357
2018	$263,687	$281,516	$6,261,718	$-17,829

EMPLOYMENT SECURITY AGENCY CREDIT UNION