COMPASSIONATE CARE CREDIT UNION (EIN 237095138) - 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

Principal Officer

CARRIE VANDER GRINTEN

Phone

9209264980

Tax Period

2025-01-01 to 2025-12-31

COMPASSIONATE CARE CREDIT UNION, founded in 1970, is a small nonprofit that reported $421K in total revenue in fiscal year 2025.

Mission

A non-profit, member owned financial organization dedicated to providing its members a variety of financial products and services in a personal and professional manner at competitive rates, encouraging regular savings, and maintaining long-term financial stability.

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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 (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $312,028

Investment Income $107,998

Other Revenue $897

TOTAL REVENUE $420,923

Expense Breakdown

Grants Paid $0

Salaries & Benefits $181,179

Fundraising Expenses $0

Program Expenses $0

Other Expenses $251,544

TOTAL EXPENSES $432,723

Year-over-Year Comparison

	2025	2024	Change
Revenue	$420,923	$419,016	+0.0%
Expenses	$432,723	$342,461	+0.3%
Net Income	$-11,800	$76,555	-1.2%

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

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

$82,592

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Carrie Vander Grinten	President	40	Officer	$82,592	$0	$82,592
Dave Sehloff	Chairperson	0	Officer Director	$0	$0	$0
Loraine Carley	Vice Chairperson	0	Officer Director	$0	$0	$0
Lori Cardinal	Secretary	0	Officer Director	$0	$0	$0
Leann Feilbach	Director	0	Director	$0	$0	$0
Evan Scherer	Treasurer	0	Officer Director	$0	$0	$0
Dennis Bangart	Director	0	Director	$0	$0	$0
Kathleen Navis	Director	0	Director	$0	$0	$0
Mark Depies	Board Emeritus	0	Director	$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	$420,923	$432,723	$6,434,237	$-11,800
2024	$419,016	$342,461	$6,774,758	$76,555
2023	$355,618	$327,626	$6,835,135	$27,992
2022	$274,127	$270,688	$6,752,385	$3,439
2021	$263,660	$258,888	$7,544,919	$4,772
2020	$316,546	$420,102	$7,456,925	$-103,556
2019	$357,197	$297,487	$6,804,115	$59,710

COMPASSIONATE CARE CREDIT UNION