CROSSSTATE CREDIT UNION FOUNDATION (EIN 251786339) - Form 990 Financial Analysis & Trantor Score

🔒

Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

Sign in with your work email to view Tuckman-Chang indicators

Financial Trends

Organization Details

Formation Year

1996

Legal Domicile

Principal Officer

SUE WARD-DIORIO

Phone

7172343156

Tax Period

2023-01-01 to 2023-12-31

CROSSSTATE CREDIT UNION FOUNDATION, founded in 1996, is a small nonprofit in the Human Services sector that reported $369K in total revenue in fiscal year 2023. Revenue surged 57% from the prior year, signaling strong growth momentum. The organization ran a surplus of $109K, a strong 30% operating margin.

Mission

TO SUPPORT THE SUCCESS OF CREDIT UNIONS AND THEIR POSITIVE IMPACT ON LOCAL COMMUNITIES THROUGH A SPIRIT OF COLLABORATION

🔒

Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

Sign in to view Trantor Score and financial metrics

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

Financial Overview (2023)

Revenue Breakdown

Contributions & Grants $181,881

Program Service Revenue $65,855

Investment Income $25,735

Other Revenue $95,519

TOTAL REVENUE $368,990

Expense Breakdown

Grants Paid $139,429

Salaries & Benefits $0

Fundraising Expenses $23,192

Program Expenses $209,241

Other Expenses $120,606

TOTAL EXPENSES $260,035

Year-over-Year Comparison

	2023	2022	Change
Revenue	$368,990	$234,974	+0.6%
Expenses	$260,035	$181,045	+0.4%
Net Income	$108,955	$53,929	+1.0%

Key Indicators

✓ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✓ Schedule B Required

🔒

Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

Sign in to view all financial metrics

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

$98,675

Total Directors

$674,425

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
SUE WARD-DIORIO	EXECUTIVE DI	40.00	Officer	$0	$6,455	$98,675
GARY CHIZMADIA	CHAIRMAN	1.00	Officer Director	$0	$0	$0
JOHN MURGA	TREASURER	1.00	Officer Director	$0	$0	$0
MICHAEL VATTER	SECRETARY	1.00	Officer Director	$0	$0	$0
SANDI CARANGI	DIRECTOR	1.00	Director	$0	$0	$0
TRACI DONAHUE	DIRECTOR	1.00	Director	$0	$0	$0
SANDY MULLINS	DIRECTOR	1.00	Director	$0	$0	$0
MICHAEL POWERS	DIRECTOR	1.00	Director	$0	$0	$0
ANNEMARIE SHINN	DIRECTOR	1.00	Director	$0	$0	$0
AMANDA WAGNER	DIRECTOR	1.00	Director	$0	$0	$0
EILEEN CREAN	DIRECTOR	1.00	Director	$0	$0	$0
MARIE HOLOWKA	DIRECTOR	1.00	Director	$0	$0	$0
JILL PETERSON	DIRECTOR	1.00	Director	$0	$0	$0
JAY REED	DIRECTOR	1.00	Director	$0	$0	$0
MARC VOGEL	DIRECTOR	1.00	Director	$0	$0	$0
MICHAEL WILSON	DIRECTOR	1.00	Director	$0	$0	$0
TIMOTHY WOJTASZEK	DIRECTOR	1.00	Director	$0	$0	$0
PATRICK CONWAY	EX-OFFICIO	40.00	Director	$0	$66,187	$674,425
ANDY JAEGER	EX-OFFICIO	1.00	Director	$0	$0	$0
ERIN DOAN	EX-OFFICIO	1.00	Director	$0	$0	$0
LAUREN MCFALL	EX-OFFICIO	1.00	Director	$0	$0	$0
CHRIS WASSON	EX-OFFICIO	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
2024	No data	No data	No data	No data
2023	$368,990	$260,035	$936,348	$108,955
2022	$234,974	$181,045	$824,916	$53,929
2021	$161,793	$152,340	$791,856	$9,453
2020	$136,272	$213,804	$770,603	$-77,532
2019	$215,350	$219,138	$669,133	$-3,788
2018	$202,257	$195,325	$667,365	$6,932

CROSSSTATE CREDIT UNION FOUNDATION