GLOBAL CREDIT UNION FOUNDATION (EIN 200286383) - 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

2003

Legal Domicile

Principal Officer

Randall Carswell

Phone

6028559428

Tax Period

2024-10-01 to 2025-09-30

GLOBAL CREDIT UNION FOUNDATION, founded in 2003, is a small nonprofit in the Philanthropy & Grantmaking sector that reported $755K in total revenue in fiscal year 2024. Revenue surged 26% from the prior year, signaling strong growth momentum. Expenses of $696K left a modest 8% surplus.

Mission

Human services programs: Financial support provided to 501(c)(3) programs in Alaska, Arizona, Washington, Idaho, and California for children, veterans, and active duty military families.

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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 $308,599

Program Service Revenue $0

Investment Income $257

Other Revenue $445,866

TOTAL REVENUE $754,722

Expense Breakdown

Grants Paid $695,500

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $695,500

Other Expenses $187

TOTAL EXPENSES $695,687

Year-over-Year Comparison

	2024	2023	Change
Revenue	$754,722	$597,590	+0.3%
Expenses	$695,687	$580,052	+0.2%
Net Income	$59,035	$17,538	+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

N/A

Employees

N/A

Volunteers

583

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
Randall Carswell	Treasurer	1	Officer	$0	$0	$0
Kent Berthiaume	Vice President	1	Officer	$0	$0	$0
Geofferey S Lundfelt	President	1	Officer	$0	$0	$0
Noel Gabler	Executive Director	10	Officer	$0	$0	$0
katy Pritsos	Secretary	1	Officer	$0	$0	$0
Todd Pearson	Director	1	Officer	$0	$0	$0
JACK FALLIS	Director	1	Officer	$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
2025	$754,722	$695,687	$831,197	$59,035
2024	$597,590	$580,052	$793,346	$17,538
2023	$516,736	$616,074	$785,083	$-99,338
2022	$684,086	$805,402	$641,070	$-121,316
2021	$628,351	$563,334	$632,787	$65,017
2020	$416,605	$309,782	$419,349	$106,823
2019	$321,162	$317,492	$294,346	$3,670
2018	$280,958	$275,269	$290,676	$5,689

GLOBAL CREDIT UNION FOUNDATION