CITY OF UKIAH EMPLOYEES'CREDIT UNION (EIN 941513642) - 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

1958

Legal Domicile

Phone

7075454000

Tax Period

2020-01-01 to 2020-12-31

CITY OF UKIAH EMPLOYEES'CREDIT UNION, founded in 1958, is a micro nonprofit that reported $10K in total revenue in fiscal year 2020. Revenue fell 92% from the prior year — a significant decline worth monitoring. Expenses of $28K exceeded revenue, resulting in a 173% operating deficit.

Mission

THE PURPOSE OF THE CREDIT UNION IS TO ENGAGE IN CREDIT UNION BUSINESS AND ANY OTHER LAWFUL ACTIVITIES WHICH ARE NOT PROHIBITED TO A CREDIT UNION BY APPLICABLE LAWS OR REGULATIONS.

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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 (2020)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $0

Investment Income $10,178

Other Revenue $0

TOTAL REVENUE $10,178

Expense Breakdown

Grants Paid $0

Salaries & Benefits $6,622

Fundraising Expenses $0

Other Expenses $21,166

TOTAL EXPENSES $27,788

Year-over-Year Comparison

	2020	2019	Change
Revenue	$10,178	$124,902	-0.9%
Expenses	$27,788	$149,609	-0.8%
Net Income	$-17,610	$-24,707	-0.3%

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

Total Directors

Key Employees

$6,128

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MARK HILLIBER	PRESIDENT/ CHAIR	1.00	Director	$0	$0	$0
IRENE MCFARLAND	VICE PRESIDENT	1.00	Director	$0	$0	$0
KENNETH RONK	TREASURER	1.00	Director	$0	$0	$0
LINDA JOHNSTON	SECRETARY	1.00	Director	$0	$0	$0
JOANNA LOPEZ	MANAGER	40.00	Key Emp	$6,128	$0	$6,128

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
2020	$10,178	$27,788	No data	$-17,610
2019	$124,902	$149,609	$2,736,720	$-24,707
2018	$129,091	$117,740	$3,398,144	$11,351

CITY OF UKIAH EMPLOYEES'CREDIT UNION