City Center Credit Union (EIN 870261067) - 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

1928

Legal Domicile

Principal Officer

Scott Johnson

Tax Period

2019-01-01 to 2019-10-31

City Center Credit Union, founded in 1928, is a small nonprofit that reported $967K in total revenue in fiscal year 2019. Revenue fell 42% from the prior year — a significant decline worth monitoring. Expenses of $1.6M exceeded revenue, resulting in a 67% operating deficit.

Mission

PROVIDE LOW COST SERVICES (SAVINGS & LOANS) TO 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 (2019)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $958,320

Investment Income $9,126

Other Revenue $0

TOTAL REVENUE $967,446

Expense Breakdown

Grants Paid $0

Salaries & Benefits $323,209

Fundraising Expenses $0

Program Expenses $1,169,213

Other Expenses $1,041,471

TOTAL EXPENSES $1,616,750

Year-over-Year Comparison

	2019	2018	Change
Revenue	$967,446	$1,666,483	-0.4%
Expenses	$1,616,750	$2,265,618	-0.3%
Net Income	$-649,304	$-599,135	+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

N/A

Volunteers

N/A

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Kevin Lee	CHAIRMAN	1.00	Officer Director	$0	$0	$0
Chad Doty	DIRECTOR	1.00	Director	$0	$0	$0
Randy Edwards	DIRECTOR	1.00	Director	$0	$0	$0
Kevin Mulvey	DIRECTOR	1.00	Director	$0	$0	$0
Scott Johnson	CEO	40.00	Officer Key Emp Highest	$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
2019	$967,446	$1,616,750	No data	$-649,304
2018	$1,666,483	$2,265,618	$15,198,120	$-599,135

City Center Credit Union