Credit Union National Association Inc (EIN 237065623) - 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

1970

Legal Domicile

Phone

8003569655

Tax Period

2023-01-01 to 2023-12-31

Credit Union National Association Inc, founded in 1970, is a mid-sized nonprofit in the Community Improvement sector that reported $87.0M in total revenue in fiscal year 2023. Revenue surged 24% from the prior year, signaling strong growth momentum. Expenses of $78.4M left a modest 10% surplus.

Mission

Credit Union National Association, Inc. is a national trade association for credit unions organized to support, protect, unify, and advance the goals and purposes of the credit union system. It provides legislative, research, public relationship, educational and services development support for the credit union system. On January 1, 2024, Credit Union National Association merged with the National Association of Federally-Insured Credit Unions to become America's Credit Unions.

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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 $7,620,242

Program Service Revenue $64,768,988

Investment Income $1,967,690

Other Revenue $12,674,161

TOTAL REVENUE $87,031,081

Expense Breakdown

Grants Paid $400,000

Salaries & Benefits $39,008,562

Fundraising Expenses $0

Program Expenses $0

Other Expenses $39,014,116

TOTAL EXPENSES $78,422,678

Year-over-Year Comparison

	2023	2022	Change
Revenue	$87,031,081	$69,989,850	+0.2%
Expenses	$78,422,678	$77,945,362	+0.0%
Net Income	$8,608,403	$-7,955,512	-2.1%

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

292

Volunteers

173

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

$5,430,763

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
N/A	TREASURER	5.0	Officer Director	$0	$0	$0
N/A	VICE-CHAIR	10.0	Officer Director	$0	$0	$0
N/A	CHAIR	10.0	Officer Director	$0	$0	$0
N/A	SECRETARY	5.0	Officer Director	$0	$0	$0
N/A	Immediate Past Chair (Term 02/2023)	4.0	Officer Director	$0	$0	$0
N/A	DIRECTOR	4.0	Director	$0	$0	$0
N/A	DIRECTOR (Start 02/2023)	4.0	Director	$0	$0	$0
N/A	DIRECTOR	4.0	Director	$0	$0	$0
N/A	DIRECTOR	4.0	Director	$0	$0	$0
N/A	Director (Term 02/2023)	4.0	Director	$0	$0	$0
N/A	DIRECTOR (Start 02/2023)	4.0	Director	$0	$0	$0
N/A	Director (Term 08/2023)	4.0	Director	$0	$0	$0
N/A	DIRECTOR	4.0	Director	$0	$0	$0
N/A	DIRECTOR	4.0	Director	$0	$0	$0
N/A	DIRECTOR	4.0	Director	$0	$0	$0
N/A	AT-LARGE EXECUTIVE COMMITTEE	4.0	Director	$0	$0	$0
N/A	DIRECTOR	4.0	Director	$0	$0	$0
N/A	DIRECTOR	4.0	Director	$0	$0	$0
N/A	DIRECTOR	4.0	Director	$0	$0	$0
N/A	DIRECTOR	4.0	Director	$0	$0	$0
N/A	DIRECTOR	4.0	Director	$0	$0	$0
N/A	DIRECTOR	4.0	Director	$0	$0	$0
N/A	DIRECTOR	4.0	Director	$0	$0	$0
N/A	DIRECTOR	4.0	Director	$0	$0	$0
N/A	DIRECTOR	4.0	Director	$0	$0	$0
N/A	DIRECTOR	4.0	Director	$0	$0	$0
N/A	CHIEF FINANCIAL OFFICER	40.0	Officer	$330,577	$83,946	$414,523
N/A	CHIEF ENGAGEMENT OFFICER	40.0	Officer	$492,446	$71,595	$564,041
N/A	INTERIM CHIEF ADVOCACY OFFICER	40.0	Officer	$324,466	$81,294	$405,760
N/A	CHIEF OPERATING OFFICER	40.0	Officer	$609,787	$78,065	$687,852
N/A	PRESIDENT/CEO	40.0	Officer	$2,237,753	$541,554	$2,779,307
N/A	CHIEF PRODUCTS & SERVICES	40.0	Officer	$504,786	$74,494	$579,280
N/A	EXECUTIVE DIRECTOR CU AWARENESS LLC	40.0	Highest	$426,636	$64,818	$491,454
N/A	Chief Compliance Officer	40.0	Highest	$290,030	$40,901	$330,931
N/A	DEPUTY CHIEF ADVOCACY OFFICER	40.0	Highest	$326,097	$54,118	$380,215
N/A	CHIEF POLITICAL OFFICER	40.0	Highest	$339,207	$81,654	$420,861
N/A	CHIEF CORPORATE COUNCIL	40.0	Highest	$332,628	$79,452	$412,080

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	$87,031,081	$78,422,678	$81,044,149	$8,608,403
2022	$69,989,850	$77,945,362	$64,434,073	$-7,955,512
2021	$69,543,852	$74,906,415	$67,388,582	$-5,362,563
2020	$67,955,643	$77,774,502	$70,741,482	$-9,818,859
2019	$100,129,632	$69,535,864	$86,055,727	$30,593,768
2018	$72,105,564	$70,985,850	$54,169,627	$1,119,714

Credit Union National Association Inc