METROPOLITAN AREA CREDIT UNION MANAGEMENT ASSOCIATION (EIN 237368395) - Form 990 Financial Analysis & Trantor Score

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Tuckman-Chang Vulnerability Assessment

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

1958

Legal Domicile

Principal Officer

GEOFF BACINO

Phone

3365966958

Tax Period

2023-01-01 to 2023-12-31

METROPOLITAN AREA CREDIT UNION MANAGEMENT ASSOCIATION, founded in 1958, is a small nonprofit that reported $236K in total revenue in fiscal year 2018. Revenue surged 22% from the prior year, signaling strong growth momentum. Expenses of $213K left a modest 10% surplus.

Mission

THE ASSOCIATION IMPROVES PRODUCTIVITY AND PROFESSIONALISM OF CREDIT UNION MANAGEMENT THROUGH MONTHLY MEETINGS, ANNUAL FALL CONFERENCE, AND SPECIAL WORKSHOPS. CURRENTLY THE ASSOCIATION HAS OVER 70 AFFILIATE ORGANIZATIONS.

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Trantor Score

Financial Health & Payment Capacity Assessment (FICO Scale: 300–850)

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2023)

Revenue Breakdown

Contributions & Grants $44,180

Program Service Revenue $66,787

Investment Income $79

Other Revenue $-879

TOTAL REVENUE $110,167

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $105,055

TOTAL EXPENSES $105,055

Year-over-Year Comparison

	2023	2022	Change
Revenue	$110,167	$158,708	-0.3%
Expenses	$105,055	$153,851	-0.3%
Net Income	$5,112	$4,857	+0.1%

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

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DON DIMATTEO	CHAIRPERSON	2.00	Officer Director	$0	$0	$0
BILL HAWKINS	VICE CHAIRPERSON	1.00	Officer Director	$0	$0	$0
ISABEL GOMEZ	TREASURER	1.00	Director	$0	$0	$0
JENNIFER PEART	SECRETARY	1.00	Director	$0	$0	$0
MARCO ALVAREZ	DIRECTOR	1.00	Director	$0	$0	$0
SCOTT BENSON	DIRECTOR	1.00	Director	$0	$0	$0
CHRIS COOPER	DIRECTOR	1.00	Director	$0	$0	$0
STEPHEN HARRELL	DIRECTOR	1.00	Director	$0	$0	$0
JOSE IREGUI	DIRECTOR	1.00	Director	$0	$0	$0
WILLIAM BILL KENNEDY	DIRECTOR	1.00	Director	$0	$0	$0
JOHN KIRLEW	DIRECTOR	1.00	Director	$0	$0	$0
GIRADO SMITH	DIRECTOR	1.00	Director	$0	$0	$0
FRANCOIS VERLEYSEN	DIRECTOR	1.00	Director	$0	$0	$0
GEOFF BACINO	EXECUTIVE DIRECTOR	50.00	Officer Director	$0	$0	$0
JESSICA HANDLEY	DIRECTOR	1.00	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
2023	$110,167	$105,055	$145,985	$5,112
2022	$158,708	$153,851	$140,913	$4,857
2021	$148,764	$125,517	$136,056	$23,247
2020	$97,399	$105,593	$102,035	$-8,194
2019	$255,829	$216,404	$143,315	$39,425
2018	$236,146	$213,054	$107,993	$23,092

METROPOLITAN AREA CREDIT UNION MANAGEMENT ASSOCIATION