PINE TREE COMMUNITY CU (EIN 820232708) - 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

1956

Legal Domicile

Principal Officer

DAN GOEHRING

Phone

2089831558

Tax Period

2022-01-01 to 2022-12-31

PINE TREE COMMUNITY CU, founded in 1956, is a community nonprofit that reported $2.0M in total revenue in fiscal year 2022. Revenue decreased 16% compared to the prior year. The organization ran a surplus of $478K, a strong 24% operating margin.

Mission

PROMOTING THE FINANCIAL WELL-BEING OF 4,236 MEMBERS BY PROVIDING LOAN AND SAVINGS SERVICES AT COMPETITIVE RATES

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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 (2022)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $1,759,636

Investment Income $236,989

Other Revenue $-1,156

TOTAL REVENUE $1,995,469

Expense Breakdown

Grants Paid $0

Salaries & Benefits $707,750

Fundraising Expenses $0

Other Expenses $667,226

TOTAL EXPENSES $1,517,482

Year-over-Year Comparison

	2022	2021	Change
Revenue	$1,995,469	$2,371,028	-0.2%
Expenses	$1,517,482	$1,456,776	+0.0%
Net Income	$477,987	$914,252	-0.5%

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

$269,303

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DAN GOEHRING	CEO	40.00	Officer	$124,784	$0	$124,784
CHERI SCHUMACHER	ASSIST MNGR	40.00	Officer	$72,329	$0	$72,329
Tracie Pottenger	Branch Manager	40.00	Officer	$40,716	$0	$40,716
Julianna G Johnson	Loan Officer	40.00	Officer	$31,474	$0	$31,474
JERRY ZUMWALT	Director	2.00	Director	$0	$0	$0
JANIS LANCE	Treasurer/Secre	2.00	Director	$0	$0	$0
DAVID BODINE	Chairman	2.00	Director	$0	$0	$0
RACHEL YOUNG	Director	2.00	Director	$0	$0	$0
MELANIE HAWKINS	Director	2.00	Director	$0	$0	$0
BETH KEELER	Director	0.00	Director	$0	$0	$0
ABBIE HUDSON	Director	0.00	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
2022	$1,995,469	$1,517,482	No data	$477,987
2021	$2,371,028	$1,456,776	$81,347,916	$914,252
2020	$2,472,635	$1,848,247	$67,299,562	$624,388
2019	$2,541,542	$2,090,748	$57,307,588	$450,794
2018	$2,460,307	$2,830,408	$52,722,455	$-370,101

PINE TREE COMMUNITY CU