METRUM COMMUNITY CREDIT UNION C/O THERESA LUCI (EIN 846030822) - 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

1946

Legal Domicile

Principal Officer

THERESA LUCI

Phone

3037704468

Tax Period

2023-01-01 to 2023-12-31

METRUM COMMUNITY CREDIT UNION C/O THERESA LUCI, founded in 1946, is a community nonprofit that reported $5.2M in total revenue in fiscal year 2023. Revenue surged 33% from the prior year, signaling strong growth momentum. Expenses of $4.5M left a modest 14% surplus.

Mission

TO PROMOTE THRIFT AND PROVIDE LOWER COST CREDIT TO THE MEMBERS OF THE CREDIT UNION. TO PROMOTE THRIFT AMONG MEMBERS BY AFFORDING THEM THE OPPORTUNITY TO ACCUMULATE PAYMENTS ON SHARES AND TO MAKE LOANS FROM THESE SHARES TO ITS MEMBERS.

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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 $4,505,003

Investment Income $697,974

Other Revenue $0

TOTAL REVENUE $5,202,977

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,402,962

Fundraising Expenses $0

Other Expenses $3,093,888

TOTAL EXPENSES $4,496,850

Year-over-Year Comparison

	2023	2022	Change
Revenue	$5,202,977	$3,914,556	+0.3%
Expenses	$4,496,850	$3,245,149	+0.4%
Net Income	$706,127	$669,407	+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

$497,794

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
RICHARD FLANIGAN	CHAIR/BOARD MEMBER	3.00	Officer Director	$0	$0	$0
DEBORAH SAMPSON	VICE CHAIR/BOARD MEMBER	3.00	Officer Director	$0	$0	$0
JENNIFER BOSWELL	TREASURER/BOARD MEMBER	3.00	Officer Director	$0	$0	$0
STEVE SEXSON	SECRETARY/BOARD MEMBER	3.00	Officer Director	$0	$0	$0
ALLEN HARIMON	DIRECTOR/BOARD MEMBER	3.00	Director	$0	$0	$0
ANDREA SUHAKA	DIRECTOR/BOARD MEMBER	3.00	Director	$0	$0	$0
DIANE LEAVESLEY	DIRECTOR/BOARD MEMBER	3.00	Director	$0	$0	$0
BRANDT PETERSON	CEO	40.00	Officer	$183,840	$17,412	$201,252
AMBER BREDENSTEIN	DIRECTOR OF LENDING	40.00	Officer	$83,340	$9,433	$92,773
KAREN PADREVITA	DIRECTOR OF IT & MARKETING	40.00	Officer	$90,375	$20,872	$111,247
JOVELYN SISON	DIRECTOR OF MEMBER SERVICE	40.00	Officer	$82,740	$9,782	$92,522

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	No data	No data	No data	No data
2023	$5,202,977	$4,496,850	$105,036,935	$706,127
2022	$3,914,556	$3,245,149	$99,303,602	$669,407
2021	$3,551,291	$2,860,031	$98,830,734	$691,260
2020	$3,463,199	$2,966,026	$88,537,439	$497,173
2019	$3,557,050	$3,025,195	$79,707,571	$531,855
2018	$3,135,649	$2,688,250	$73,190,093	$447,399

METRUM COMMUNITY CREDIT UNION C/O THERESA LUCI