944 PILLAR CREDIT UNION (EIN 310646159) - 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

1960

Legal Domicile

Phone

7403899960

Tax Period

2023-01-01 to 2023-12-31

944 PILLAR CREDIT UNION, founded in 1960, is a community nonprofit that reported $5.5M in total revenue in fiscal year 2023. Revenue surged 32% from the prior year, signaling strong growth momentum. Expenses of $4.8M left a modest 13% surplus.

Mission

THE CREDIT UNION PROVIDES FINANCIAL SERVICES AND EDUCATION TO QUALIFIED MEMBERS.

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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 $0

Program Service Revenue $4,605,358

Investment Income $877,330

Other Revenue $47,860

TOTAL REVENUE $5,530,548

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,393,579

Fundraising Expenses $0

Program Expenses $3,372,239

Other Expenses $2,056,357

TOTAL EXPENSES $4,823,957

Year-over-Year Comparison

	2023	2022	Change
Revenue	$5,530,548	$4,184,927	+0.3%
Expenses	$4,823,957	$3,094,299	+0.6%
Net Income	$706,591	$1,090,628	-0.4%

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

$202,763

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
VIDYA IYENGAR	CEO	40	Officer	$184,525	$18,238	$202,763
THOMAS M VEITH	DIRECTOR	0.50	Director	$0	$0	$0
RYAN W COOK	DIRECTOR - VICECHAIR	0.50	Director	$0	$0	$0
DANIEL R DREHER	DIRECTOR	0.50	Director	$0	$0	$0
ADAM WILLAUER	DIRECTOR - CHAIR	0.5	Director	$0	$0	$0
RICHARD MAULT	DIRECTOR - Treasurer	0.50	Director	$0	$0	$0
CINDY J SCHIFER	DIRECTOR	0.50	Director	$0	$0	$0
MATT KELLOOG	DIRECTOR - SECRETARY	0.50	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	No data	No data	No data	No data
2024	No data	No data	No data	No data
2023	$5,530,548	$4,823,957	$106,970,836	$706,591
2022	$4,184,927	$3,094,299	$96,818,260	$1,090,628
2021	$3,686,791	$2,781,100	$90,425,151	$905,691
2020	$3,736,517	$3,169,038	$83,887,356	$567,479
2019	$4,221,899	$3,523,189	$77,100,690	$698,710
2018	$3,394,737	$2,738,331	$68,739,203	$656,406

944 PILLAR CREDIT UNION