HEALTH CARE IDAHO CREDIT UNION (EIN 820374105) - 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

1961

Legal Domicile

Principal Officer

CRYSTAL BISSELL

Phone

2083812099

Tax Period

2023-01-01 to 2023-12-31

HEALTH CARE IDAHO CREDIT UNION, founded in 1961, is a small nonprofit that reported $799K in total revenue in fiscal year 2023. Revenue surged 44% from the prior year, signaling strong growth momentum. Expenses of $768K left a modest 4% surplus.

Mission

OUR MISSION IS TO PROVIDE EXCELLENCE IN PERSONAL FINANCIAL SERVICES TO THOSE EMPLOYED IN THE HEALTH CARE INDUSTRY.

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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 $694,156

Investment Income $104,437

Other Revenue $0

TOTAL REVENUE $798,593

Expense Breakdown

Grants Paid $0

Salaries & Benefits $392,942

Fundraising Expenses $0

Other Expenses $374,941

TOTAL EXPENSES $767,883

Year-over-Year Comparison

	2023	2022	Change
Revenue	$798,593	$552,757	+0.4%
Expenses	$767,883	$767,520	+0.0%
Net Income	$30,710	$-214,763	-1.1%

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

$56,769

Total Directors

$56,769

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CRYSTAL BISSELL	CEO	50.00	Officer Director	$56,769	$0	$56,769
VIRGINIA WADE	SECRETARY	1.00	Officer Director	$0	$0	$0
ROBYN WILLIAMS	VP	1.00	Officer Director	$0	$0	$0
MARJANA KARAC	BOARD MEMBER	1.00	Director	$0	$0	$0
DAN SCOTT	BOARD MEMBER	1.00	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
2023	$798,593	$767,883	$13,208,964	$30,710
2022	$552,757	$767,520	$14,685,558	$-214,763
2021	$693,683	$632,085	$15,790,035	$61,598
2020	$651,721	$611,763	$14,356,320	$39,958
2019	$681,123	$579,873	$12,471,691	$101,250
2018	$655,416	$558,047	$13,097,454	$97,369

HEALTH CARE IDAHO CREDIT UNION