AMERICU CREDIT UNION

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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

1956

Legal Domicile

Principal Officer

RONALD BELLE

Phone

3153563213

Tax Period

2023-01-01 to 2023-12-31

AMERICU CREDIT UNION, founded in 1956, is a major nonprofit that reported $153.3M in total revenue in fiscal year 2023. Revenue grew 19% year-over-year, indicating healthy expansion. Expenses of $135.4M left a modest 12% surplus.

Mission

AMERICU CREDIT UNION STRIVES TO BE THE PRIMARY FINANCIAL RESOURCE FOR ITS MEMBERS. OUR MISSION IS TO EXCEED MEMBER EXPECTATIONS AND BUILD BENEFICIAL AND LASTING RELATIONSHIPS BY PROVIDING EXCELLENT FINANCIAL SERVICES.

Program Service Accomplishments

Program 1

Expenses: $135,400,466 Revenue: $142,084,965

STATE CHARTERED CREDIT UNION - PROVIDE FINANCIAL SERVICES TO ITS MEMBERSHIP THROUGH A NETWORK OF BRANCHES AND AUTOMATED SYSTEMS AND 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 (2023)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $140,858,288

Investment Income $8,555,159

Other Revenue $3,871,922

TOTAL REVENUE $153,285,369

Expense Breakdown

Grants Paid $12,000

Salaries & Benefits $34,841,944

Fundraising Expenses $0

Program Expenses $135,400,466

Other Expenses $100,546,522

TOTAL EXPENSES $135,400,466

Year-over-Year Comparison

	2023	2022	Change
Revenue	$153,285,369	$129,122,095	+0.2%
Expenses	$135,400,466	$95,063,409	+0.4%
Net Income	$17,884,903	$34,058,686	-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

465

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

$1,136,867

Total Directors

Key Employees

$315,687

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JOHN STEVENSON	DIRECTOR	2.00	Director	$0	$0	$0
GEORGE BAUER	DIRECTOR	2.00	Director	$0	$0	$0
TERRI TULOWIECKI	CHIEF FINANCIAL OFFICER -	2.00	Director	$0	$0	$0
RYAN KUHNS	RECORDING SECRETARY/ BOD	2.00	Director	$0	$0	$0
JOSEPH TURCZYN	DIRECTOR	2.00	Director	$0	$0	$0
JENNIFER STOWELL	VICE CHAIRMAN OF THE BOARD	2.00	Director	$0	$0	$0
NICOLA FABRIZIO	CHAIRMAN OF THE BOARD	4.00	Director	$0	$0	$0
RONALD BELLE	PRESIDENT/CEO	40.00	Officer	$769,930	$8,222	$778,152
ALISSA SYKES TULLOCH	EXECUTIVE VP/COO	40.00	Officer	$336,568	$22,147	$358,715
BRYAN DELEHANTY	CHIEF FINANCIAL OFFICER	40.00	Key Emp	$291,734	$23,953	$315,687
CATHERINE FELTZ	SENIOR MORTGAGE LOAN OFFIC	40.00	Highest	$402,685	$30,646	$433,331
MARK LIVESEY	CHIEF RISK OFFICER	40.00	Highest	$217,906	$34,845	$252,751
CHRISTOPHER METOT	AVP, LENDING SALES	40.00	Highest	$181,648	$24,032	$205,680
DYANA O'NEILL	CHIEF EXPERIENCE OFFICER	40.00	Highest	$208,101	$36,354	$244,455
KAREN LAPLANTE	CHIEF TALENT OFFICER	40.00	Highest	$185,555	$29,888	$215,443
STEPHANIE MCGUIRE	SENIOR VICE PRESIDENT, LENDING	40.00	Highest	$184,875	$28,364	$213,239
JIN GWAK	FORMER CHIEF DIGITAL AND INFORMAT	40.00		$224,768	$37,161	$261,929

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	No data	No data	No data	No data
2023	$153,285,369	$135,400,466	$2,686,903,497	$17,884,903
2022	$129,122,095	$95,063,409	$2,697,097,780	$34,058,686
2021	$115,019,065	$77,279,338	$2,543,170,933	$37,739,727
2020	$82,480,327	$76,664,268	$2,209,344,644	$5,816,059
2019	$90,966,659	$83,525,041	$1,814,187,618	$7,441,618
2018	$75,698,440	$69,548,735	$1,578,204,576	$6,149,705