CURE DEFENSE FUND

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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

2005

Legal Domicile

Principal Officer

PATRICIA CORKERY

Phone

7347933420

Tax Period

2023-01-01 to 2023-12-31

CURE DEFENSE FUND, founded in 2005, is a community nonprofit in the Community Improvement sector that reported $1.9M in total revenue in fiscal year 2023. Revenue decreased 12% compared to the prior year. Expenses of $1.8M left a modest 7% surplus.

Mission

NONE

Program Service Accomplishments

Program 1

ENGAGE IN ONGOING EXTRAORDINARY DEFENSE STRATEGIES TO PROMOTE THE CREDIT UNION MOVEMENT, IN BOTH LEGAL AND LEGISLATIVE ARENAS AS WELL AS CONDUCT VARIOUS ISSUE ADVOCACY ACTIVITIES TO PROMOTE AND...

ENGAGE IN ONGOING EXTRAORDINARY DEFENSE STRATEGIES TO PROMOTE THE CREDIT UNION MOVEMENT, IN BOTH LEGAL AND LEGISLATIVE ARENAS AS WELL AS CONDUCT VARIOUS ISSUE ADVOCACY ACTIVITIES TO PROMOTE AND ADVANCE COMMON INTERESTS OF THE CREDIT UNION MOVEMENT.

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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 $674,472

Program Service Revenue $1,052,739

Investment Income $201,002

Other Revenue $11,403

TOTAL REVENUE $1,939,616

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $1,795,632

TOTAL EXPENSES $1,795,632

Year-over-Year Comparison

	2023	2022	Change
Revenue	$1,939,616	$2,199,124	-0.1%
Expenses	$1,795,632	$1,515,389	+0.2%
Net Income	$143,984	$683,735	-0.8%

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

N/A

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

$491,274

Total Directors

Key Employees

$233,524

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
HEATHER LUCIANI	CHAIR	0.50	Officer Director	$0	$0	$0
CHRISSY SIDERS	VICE CHAIR	0.50	Officer Director	$0	$0	$0
KRIS LEWIS	SECRETARY/TREASURER	0.50	Officer Director	$0	$0	$0
PATTI CAMPBELL	TRUSTEE	0.50	Director	$0	$0	$0
RYAN LARSON	TRUSTEE	0.50	Director	$0	$0	$0
ADAM JOHNSON	TRUSTEE	0.50	Director	$0	$0	$0
JEREMY ZAGER	TRUSTEE	0.50	Director	$0	$0	$0
DEAN TRUDEAU	TRUSTEE	0.50	Director	$0	$0	$0
CARMA PETERS	TRUSTEE EFFECTIVE 06/2023	0.50	Director	$0	$0	$0
KATIE NARHI	TRUSTEE THROUGH 06/2023	0.50	Director	$0	$0	$0
PATRICIA CORKERY	EXECUTIVE DIRECTOR	0.50	Officer	$0	$35,363	$491,274
KIERAN MARION	EXECUTIVE VP ADVOCACY	0.50	Key Emp	$0	$28,023	$233,524

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	$1,939,616	$1,795,632	$4,677,055	$143,984
2022	$2,199,124	$1,515,389	$5,660,847	$683,735
2021	$2,180,297	$1,554,091	$4,793,223	$626,206
2020	$1,782,874	$2,806,482	$4,209,473	$-1,023,608
2019	$3,701,622	$3,818,819	$5,475,693	$-117,197
2018	$3,656,929	$2,967,297	$4,702,328	$689,632