JEANNE D'ARC CREDIT UNION (EIN 041231965) - 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

1912

Legal Domicile

Principal Officer

LARISSA THURSTON

Phone

9784525001

Tax Period

2024-01-01 to 2024-12-31

JEANNE D'ARC CREDIT UNION, founded in 1912, is a major nonprofit that reported $106.2M in total revenue in fiscal year 2024. Revenue grew 17% year-over-year, indicating healthy expansion. Expenses of $101.2M left a modest 5% surplus.

Mission

JEANNE D'ARC CREDIT UNION IS A FULL SERVICE, MEMBER-OWNED COMMUNITY BASED CREDIT UNION.

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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 $80,651,000

Investment Income $11,066,586

Other Revenue $14,469,751

TOTAL REVENUE $106,187,337

Expense Breakdown

Grants Paid $538,038

Salaries & Benefits $24,729,733

Fundraising Expenses $0

Other Expenses $75,945,555

TOTAL EXPENSES $101,213,326

Year-over-Year Comparison

	2024	2023	Change
Revenue	$106,187,337	$90,760,931	+0.2%
Expenses	$101,213,326	$80,898,300	+0.3%
Net Income	$4,974,011	$9,862,631	-0.5%

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

348

Volunteers

216

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

$1,529,924

Total Directors

$1,288,619

Key Employees

$2,986,941

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JOHN CHEMALY	VICE CHAIR	1.00	Officer Director	$6,950	$0	$6,950
NAOMI PRENDERGAST	CHAIRMAN	1.00	Officer Director	$6,950	$0	$6,950
SUSAN GREEN	DIRECTOR	1.00	Director	$7,034	$0	$7,034
SOCRATES DE LA CRUZ	DIRECTOR	1.00	Director	$6,936	$0	$6,936
HENRI MARCHAND	DIRECTOR	1.00	Director	$6,950	$0	$6,950
WILLIAM SOUCY	DIRECTOR	1.00	Director	$6,950	$0	$6,950
JOANNE YESTRAMSKI	CLERK/SECRETARY	1.00	Director	$6,950	$0	$6,950
MARK S COCHRAN	PRESIDENT/CEO/DIR. (ENDED 8/2024)	40.00	Officer Director	$1,000,465	$239,434	$1,239,899
LARISSA THURSTON	PRESIDENT/CEO (AS OF 8/2024)	40.00	Officer	$276,125	$0	$276,125
BRIAN SOUSA	SVP & CLO	40.00	Key Emp	$494,065	$99,132	$593,197
JOSEPH M PRINCI II	SVP & CFO	40.00	Key Emp	$573,761	$102,309	$676,070
MICHAEL P DUBUQUE	EVP & COO (ENDED 10/2024)	40.00	Key Emp	$892,841	$149,338	$1,042,179
ROBIN LORENZEN	SVP & CMO	40.00	Key Emp	$312,610	$55,107	$367,717
GRANT ALOIS	SVP & CIO (AS OF 1/2024)	40.00	Key Emp	$270,500	$37,278	$307,778
GERARD L STEVENS	SENIOR LOAN OFFICER	40.00	Highest	$260,451	$10,399	$270,850
JAMES HIRBOUR	SENIOR LOAN OFFICER	40.00	Highest	$753,367	$34,539	$787,906
KARA DOYLE	VP COMMERCIAL LENDING	40.00	Highest	$245,656	$30,364	$276,020
PAUL MCDONALD	VP RESIDENTIAL & CONSUMER	40.00	Highest	$217,328	$38,635	$255,963
KEITH M MICAVICH	SENIOR LOAN OFFICER	40.00	Highest	$256,256	$20,559	$276,815

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	$106,187,337	$101,213,326	$2,210,721,000	$4,974,011
2023	$90,760,931	$80,898,300	$2,129,780,000	$9,862,631
2022	$66,569,870	$56,996,665	$2,051,657,522	$9,573,205
2021	$59,293,841	$52,364,280	$1,792,528,408	$6,929,561
2020	$62,626,890	$56,171,258	$1,653,319,791	$6,455,632
2019	$65,784,640	$58,011,234	$1,454,259,791	$7,773,406
2018	$63,060,835	$52,624,630	$1,388,832,412	$10,436,205

JEANNE D'ARC CREDIT UNION