Lewis Clark Credit Union

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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

1939

Legal Domicile

Principal Officer

Trisha Baker

Phone

2087467233

Tax Period

2024-01-01 to 2024-12-31

Lewis Clark Credit Union, founded in 1939, is a mid-sized nonprofit that reported $17.6M in total revenue in fiscal year 2024. Revenue grew 17% year-over-year, indicating healthy expansion. Expenses of $15.6M left a modest 11% surplus.

Mission

To be our Member's favorite financial institution, to build long term member relationships, to exercise sound and ethical business practices, to help our members achieve financial success.

Program Service Accomplishments

Program 1

Lewis Clark Credit Union is a non-profit financial institution located in North Idaho providing financial services including: savings accounts, checking accounts, money market accounts, certificates of deposit, and affordable credit loans to its members. LCCU serves 21,101 members in North Idaho and Eastern Washington. LCCU is a CDFI certified institution focused on making affordable credit loans to the underserved low income tracts in the communities it serves. Besides financials services, LCCU has awarded teacher grants, scholarships, and sponsorships to help better the future of its members and the communities it serves. (Continued on Schedule O)In 2024, the credit union saw comparably strong growth in members, deposits, and loans, despite the economic decline. The credit union continued to experience asset growth throughout 2024, resulting in a regulatory net worth of 12.02% at year-end.

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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 $16,504,040

Investment Income $1,093,519

Other Revenue $0

TOTAL REVENUE $17,597,559

Expense Breakdown

Grants Paid $149,494

Salaries & Benefits $4,789,710

Fundraising Expenses $0

Other Expenses $10,648,773

TOTAL EXPENSES $15,587,977

Year-over-Year Comparison

	2024	2023	Change
Revenue	$17,597,559	$15,089,420	+0.2%
Expenses	$15,587,977	$13,178,824	+0.2%
Net Income	$2,009,582	$1,910,596	+0.1%

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

$1,225,274

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Sherri Kumm	Board Chair	2.00	Officer Director	$0	$0	$0
Katy Miller	Vice Chair	2.00	Officer Director	$0	$0	$0
Christina Metcalf	Secretary/Treasurer	2.00	Officer Director	$0	$0	$0
Brian Birdsell	Director	2.00	Director	$0	$0	$0
Gary Groff	Director	2.00	Director	$0	$0	$0
Susan Clark	Director (left 10/2024)	2.00	Director	$0	$0	$0
Rebecca Sarmiento	Director	2.00	Director	$0	$0	$0
Trisha Baker	CEO	40.00	Officer	$384,934	$100,643	$485,577
Amanda Collins	VP Operations/CFO	40.00	Officer	$223,574	$36,214	$259,788
David Durrant	VP of Finance (left 12/2024)	40.00	Officer	$180,601	$33,291	$213,892
Andrew Heimgartner	VP of Lending	40.00	Officer	$170,037	$28,454	$198,491
Tellan Llloyd	VP of Member Solutions	40.00	Officer	$58,818	$8,708	$67,526
Justin Shires	System Admin	40.00	Highest	$161,400	$15,005	$176,405

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	$17,597,559	$15,587,977	$249,581,624	$2,009,582
2023	$15,089,420	$13,178,824	$240,536,303	$1,910,596
2022	$12,473,369	$10,523,506	$214,796,100	$1,949,863
2021	$12,854,570	$8,661,632	$194,671,372	$4,192,938
2020	$9,635,253	$7,407,819	$158,442,360	$2,227,434
2019	$8,154,663	$6,761,699	$127,504,319	$1,392,964
2018	$6,898,768	$5,856,165	$109,897,147	$1,042,603