COMMUNITY STAR CREDIT UNION

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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

1938

Legal Domicile

Tax Period

2023-01-01 to 2023-12-31

COMMUNITY STAR CREDIT UNION, founded in 1938, is a community nonprofit that reported $5.4M in total revenue in fiscal year 2023. Revenue surged 24% from the prior year, signaling strong growth momentum. Expenses of $4.9M left a modest 9% surplus.

Mission

TO PROVIDE LENDING,SAVINGS, AND OTHER FINANCIAL SERVICES TO ITS QUALIFYING MEMBERS AT TERMS GENERALLY BETTER THAN AVAILABLE IN THE MARKETPLACE AND WITH A SERVICE-BASED EMPHASIS THAT RECOGNIZES THE MEMBERS STATUS AS OWNERS.

Program Service Accomplishments

Program 1

Expenses: $1,773,465

DIRECT LABOR AND EMPLOYEE BENEFIT COSTS INCURRED PROVIDING SAVINGS DEPOSIT SERVICES, ORIGINATING NEW LOANS AND SERVICING THE LOAN PORTFOLIO FOR MEMBERS.

Program 2

Expenses: $875,073

DIVIDENDS AND INTEREST PAID TO MEMBERS ON APPROXIMATELY 16,510 DEPOSIT ACCOUNTS HELD BY APPROXIMATELY 8,160 MEMBERS

Program 3

Expenses: $527,225

DATA PROCESSING COSTS INCURRED RECORDING MEMBER ACCOUNT ACTIVITY AND PROVIDING ACCESS TO MEMBERS TO THEIR ACCOUNTS VIA HOME BANKING, ATM NETWORKS AND IN-PERSON AT CREDIT UNION OFFICE.

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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 $4,915,276

Investment Income $470,355

Other Revenue $0

TOTAL REVENUE $5,385,631

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,773,465

Fundraising Expenses $0

Program Expenses $3,175,763

Other Expenses $2,277,614

TOTAL EXPENSES $4,926,152

Year-over-Year Comparison

	2023	2022	Change
Revenue	$5,385,631	$4,333,361	+0.2%
Expenses	$4,926,152	$3,913,969	+0.3%
Net Income	$459,479	$419,392	+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

Volunteers

N/A

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

$387,516

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DAVID JEZEWSKI	CEO	40.00	Officer	$139,922	$0	$139,922
JOHN RADOLEC	CFO	40.00	Officer	$89,225	$0	$89,225
HEIDI MATIAS	COO	40.00	Officer	$80,899	$0	$80,899
RICHARD NOCK	CLO	40.00	Officer	$77,470	$0	$77,470
JOSHUA MACK	DIRECTOR	1.00	Director	$0	$0	$0
REBECCA HETRICK	DIRECTOR	1.00	Director	$0	$0	$0
TIM KIEDROWSKI	DIRECTOR	1.00	Director	$0	$0	$0
WILLIAM MARKLE	DIRECTOR	1.00	Director	$0	$0	$0
R PATRICK SUTTER	DIRECTOR	1.00	Director	$0	$0	$0
ELIJAH WREH	VICE CHAIR	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	$5,385,631	$4,926,152	$95,631,600	$459,479
2022	$4,333,361	$3,913,969	$93,835,301	$419,392
2021	$4,042,454	$3,755,785	$90,685,850	$286,669
2020	$4,270,161	$4,010,123	$84,039,069	$260,038
2019	$4,162,864	$3,782,270	$72,250,823	$380,594
2018	$4,687,682	$4,090,442	$68,333,120	$597,240