CARDINAL CREDIT UNION INC (EIN 340825291) - 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

1953

Legal Domicile

Principal Officer

CHRISTINE BLAKE

Phone

4402662200

Tax Period

2023-01-01 to 2023-12-31

CARDINAL CREDIT UNION INC, founded in 1953, is a mid-sized nonprofit that reported $15.6M in total revenue in fiscal year 2023. Revenue grew 14% year-over-year, indicating healthy expansion. Net assets of $32.5M represent 25 months of operating reserves.

Mission

PROVIDE FINANCIAL SERVICES 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 $14,123,924

Investment Income $1,441,232

Other Revenue $40,155

TOTAL REVENUE $15,605,311

Expense Breakdown

Grants Paid $0

Salaries & Benefits $6,529,389

Fundraising Expenses $0

Other Expenses $9,293,530

TOTAL EXPENSES $15,822,919

Year-over-Year Comparison

	2023	2022	Change
Revenue	$15,605,311	$13,717,571	+0.1%
Expenses	$15,822,919	$12,727,497	+0.2%
Net Income	$-217,608	$990,074	-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

107

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

$1,148,503

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
KENNETH DEKEN	DIRECTOR	1.00	Director	$0	$0	$0
JAMES GRAY	DIRECTOR	1.00	Director	$0	$0	$0
RANDY MEARS	SECRETARY	1.00	Officer Director	$0	$0	$0
JEFF SHIBLEY	VICE-CHAIRMAN OF THE BOARD	1.00	Officer Director	$0	$0	$0
ED BROWN	TREASURER	1.00	Officer Director	$0	$0	$0
JAMES BRUMBAUGH	DIRECTOR	1.00	Director	$0	$0	$0
SANDY HAMO	CHAIRWOMAN OF THE BOARD	1.00	Officer Director	$0	$0	$0
KATHLEEN O'CONNELL-BURTON	DIRECTOR	1.00	Director	$0	$0	$0
CHRISTINE BLAKE	PRESIDENT/CEO	40.00	Officer	$501,817	$50,090	$551,907
MARIO DUVNJAK	COO	40.00	Officer	$188,296	$13,406	$201,702
LANNY BERLINGIERI	CFO	40.00	Officer	$206,736	$11,873	$218,609
JUSTAS ADOMAVICIUS	CLO	40.00	Officer	$165,710	$10,575	$176,285
RENEE MULLEN	DIRECTOR OF LENDING	40.00	Highest	$105,127	$11,601	$116,728
DAVID REED	CONTROLLER	40.00	Highest	$103,256	$8,079	$111,335
SAMANTHA PAWLAK	DISTRICT MANAGER	40.00	Highest	$129,640	$7,780	$137,420

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	$15,605,311	$15,822,919	$292,804,090	$-217,608
2022	$13,717,571	$12,727,497	$288,887,413	$990,074
2021	$13,219,321	$10,449,396	$282,642,743	$2,769,925
2020	$13,922,243	$12,262,138	$262,084,279	$1,660,105
2019	$14,097,164	$13,234,778	$236,151,339	$862,386
2018	$14,642,083	$13,748,425	$238,914,685	$893,658

CARDINAL CREDIT UNION INC