RESPONDERS EMERGENCY SERVICES CREDIT UNION (EIN 910856702) - 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

1966

Legal Domicile

Principal Officer

JOYCE LOCKARD

Phone

5093273244

Tax Period

2024-01-01 to 2024-12-31

RESPONDERS EMERGENCY SERVICES CREDIT UNION, founded in 1966, is a community nonprofit that reported $2.6M in total revenue in fiscal year 2024. Expenses of $2.3M left a modest 13% surplus.

Mission

PROVIDE SUPERIOR FINANCIAL SERVICES TO OUR CIVIL FIRST RESPONDER COMMUNITIES.

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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 (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $2,225,392

Investment Income $397,806

Other Revenue $0

TOTAL REVENUE $2,623,198

Expense Breakdown

Grants Paid $0

Salaries & Benefits $826,660

Fundraising Expenses $0

Other Expenses $938,995

TOTAL EXPENSES $2,293,203

Year-over-Year Comparison

	2024	2023	Change
Revenue	$2,623,198	$2,624,943	0.0%
Expenses	$2,293,203	$1,890,530	+0.2%
Net Income	$329,995	$734,413	-0.6%

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

$117,923

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
RYAN SNIDER	CHAIRMAN	5.00	Officer Director	$0	$0	$0
EARL HOWERTON	1ST VICE CHAIR	1.50	Officer Director	$0	$0	$0
JOHN YEN	2ND VICE CHAIR	1.50	Officer Director	$0	$0	$0
THOMAS ROSE	DIRECTOR	1.50	Officer Director	$0	$0	$0
DANIEL WATERS	DIRECTOR	1.50	Director	$0	$0	$0
KELLEE GATELY	DIRECTOR	1.50	Director	$0	$0	$0
TERRY PREUNINGER	DIRECTOR	1.50	Director	$0	$0	$0
JOYCE LOCKARD	CEO	40.00	Officer	$98,080	$19,843	$117,923

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	$2,623,198	$2,293,203	$57,531,138	$329,995
2023	$2,624,943	$1,890,530	$58,327,016	$734,413
2022	$1,899,285	$1,583,354	$59,764,999	$315,931
2021	$1,921,357	$1,452,643	$59,492,670	$468,714
2020	$2,223,191	$4,045,504	$52,225,410	$-1,822,313
2019	$1,984,579	$1,651,433	$50,936,695	$333,146

RESPONDERS EMERGENCY SERVICES CREDIT UNION