DUTCH POINT CREDIT UNION (EIN 066039973) - 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

1960

Legal Domicile

Principal Officer

CHARLYN TANNER

Phone

8605632617

Tax Period

2024-01-01 to 2024-12-31

DUTCH POINT CREDIT UNION, founded in 1960, is a mid-sized nonprofit that reported $24.9M in total revenue in fiscal year 2024. Revenue grew 15% year-over-year, indicating healthy expansion. Expenses of $21.9M left a modest 12% surplus.

Mission

OUR MISSION IS "EDUCATE. SERVE. DELIGHT." WHILE PROVIDING CREDIT UNION SERVICES.

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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 $18,566,445

Investment Income $6,293,810

Other Revenue $0

TOTAL REVENUE $24,860,255

Expense Breakdown

Grants Paid $10,500

Salaries & Benefits $6,542,493

Fundraising Expenses $0

Other Expenses $15,370,491

TOTAL EXPENSES $21,923,484

Year-over-Year Comparison

	2024	2023	Change
Revenue	$24,860,255	$21,611,039	+0.2%
Expenses	$21,923,484	$17,217,889	+0.3%
Net Income	$2,936,771	$4,393,150	-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

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

$996,983

Total Directors

$521,270

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CHARLYN TANNER	PRESIDENT, CEO & SECRETARY	40.00	Officer Director	$353,076	$167,405	$520,481
MICHAEL E CURTIN	CHAIRMAN OF BOARD	2.00	Officer Director	$789	$0	$789
ROBERT BOURNE	VICE CHAIRMAN	2.00	Officer Director	$0	$0	$0
TIMOTHY TUELL	TREASURER	2.00	Officer Director	$0	$0	$0
NOEL AUBE	DIRECTOR	2.00	Director	$0	$0	$0
PATRICK DORNFRIED	DIRECTOR	2.00	Director	$0	$0	$0
MAISA LAHAM	ASSISTANT TREASURER	2.00	Officer Director	$0	$0	$0
MARGUERITE ROSE	DIRECTOR	2.00	Director	$0	$0	$0
DIANE DEL ROSSO	DIRECTOR	2.00	Director	$0	$0	$0
MICHAEL KLEINSCHMITT	CHIEF FINANCIAL OFFICER	40.00	Officer	$201,791	$44,866	$246,657
STACEY COLLINS	CHIEF EXPERIENCE OFFICER	40.00	Officer	$209,829	$19,227	$229,056
LISA KAYE	VP NETWORK AND SECURITY	40.00	Highest	$119,101	$8,735	$127,836
COLLETTE GIARRATANO	VP OPERATIONS	40.00	Highest	$118,551	$9,523	$128,074
OCTAVIA GAINES	VP LENDING	40.00	Highest	$116,426	$31,308	$147,734
ROBERT PELLEGATTO	VP HUMAN RESOURCES	40.00	Highest	$113,255	$39,104	$152,359
SUZANNE MURPHY	VP CORE SOLUTIONS	40.00	Highest	$108,766	$19,880	$128,646

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	$24,860,255	$21,923,484	$510,778,790	$2,936,771
2023	$21,611,039	$17,217,889	$475,467,935	$4,393,150
2022	$16,104,294	$12,872,368	$467,297,066	$3,231,926
2021	$13,078,655	$11,156,431	$439,784,551	$1,922,224
2020	$13,404,884	$12,255,604	$402,719,315	$1,149,280
2019	$15,523,882	$12,840,178	$338,763,138	$2,683,704
2018	$14,246,373	$11,323,676	$311,502,357	$2,922,697

DUTCH POINT CREDIT UNION