Merced Municipal Employees Credit Union (EIN 941339061) - 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

1951

Legal Domicile

Principal Officer

Cathy Carvajal

Phone

2093835550

Tax Period

2018-01-01 to 2018-12-31

Merced Municipal Employees Credit Union, founded in 1951, is a micro nonprofit that reported $90K in total revenue in fiscal year 2018. Revenue decreased 14% compared to the prior year. Expenses of $114K exceeded revenue, resulting in a 27% operating deficit.

Mission

Merced Municipal Employees Credit Union is a non-profit financial institution established to provide financial services for their members including savings and loans.

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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 $80,905

Investment Income $3,194

Other Revenue $5,443

TOTAL REVENUE $89,542

Expense Breakdown

Grants Paid $0

Salaries & Benefits $67,490

Fundraising Expenses $0

Other Expenses $46,442

TOTAL EXPENSES $113,932

Year-over-Year Comparison

	2018	2017	Change
Revenue	$89,542	$104,019	-0.1%
Expenses	$113,932	$111,227	+0.0%
Net Income	$-24,390	$-7,208	+2.4%

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

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
D Richardson	Director	001.00	Director	$0	$0	$0
J Riedeman	Director	001.00	Director	$0	$0	$0
J Fister	Director	001.00	Director	$0	$0	$0
J Svendsen	Director	001.00	Director	$0	$0	$0
R Rios	Director	001.00	Director	$0	$0	$0
J Bugarin	Director	001.00	Director	$0	$0	$0
J Cortright	Director	001.00	Director	$0	$0	$0
C Carvajal	Manager	035.00	Officer Director Key Emp Highest	$0	$0	$0
L Jamero	AFA	018.00	Director Key Emp	$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
2018	$89,542	$113,932	No data	$-24,390

Merced Municipal Employees Credit Union