CREDIT UNIONS CHARTERED IN THE STATE OF (EIN 870236316) - 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

1948

Legal Domicile

Principal Officer

Alicia Fivecoat

Phone

4358884433

Tax Period

2018-01-01 to 2018-12-31

CREDIT UNIONS CHARTERED IN THE STATE OF, founded in 1948, is a small nonprofit that reported $125K in total revenue in fiscal year 2018. Expenses of $203K exceeded revenue, resulting in a 62% operating deficit.

Mission

Sunnyside Credit Union is a financial institution with deposits and loans for our 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 (2018)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $115,393

Investment Income $9,599

Other Revenue $0

TOTAL REVENUE $124,992

Expense Breakdown

Grants Paid $0

Salaries & Benefits $72,235

Fundraising Expenses $0

Program Expenses $202,706

Other Expenses $129,171

TOTAL EXPENSES $202,706

Year-over-Year Comparison

	2018	2017	Change
Revenue	$124,992	$123,000	+0.0%
Expenses	$202,706	$209,652	0.0%
Net Income	$-77,714	$-86,652	-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

N/A

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

$39,668

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Joyce Christensen	Board Chairperson	1	Director	$0	$0	$0
Yvette Hurtado	Board Secretary	0.75	Director	$0	$0	$0
Philip Holt	Board Member	0.75	Director	$0	$0	$0
Polly Sanderson	Board Member	0.75	Director	$0	$0	$0
Bonnie Chavez	Board Member	0.75	Director	$0	$0	$0
Mary Fivecoat	Supervisory Committee Chairperson	0.75	Officer	$0	$0	$0
Connie McCourt	Supervisory Committee Member	0.15	Officer	$0	$0	$0
LInda Elliott	Supervisory Committee Member	0.15	Officer	$0	$0	$0
Alicia Fivecoat	President/CEO	35	Officer	$39,668	$0	$39,668

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
2018	$124,992	$202,706	$1,904,496	$-77,714

CREDIT UNIONS CHARTERED IN THE STATE OF