CHRISTIAN FAMILY CREDIT UNION INC

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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

1939

Principal Officer

KAREN RIEL

Phone

5135281521

Tax Period

2025-01-01 to 2025-12-31

CHRISTIAN FAMILY CREDIT UNION INC, founded in 1939, is a community nonprofit that reported $3.8M in total revenue in fiscal year 2025. Revenue grew 11% year-over-year, indicating healthy expansion. Expenses of $3.6M left a modest 4% surplus.

Mission

THE MISSION OF CHRISTIAN FAMILY CREDIT UNION IS TO PROVIDE SOLUTIONS FOR OUR MEMBERS TO ACHIEVE FINANCIAL SECURITY.

Program Service Accomplishments

Program 1

THE ORGANIZATION IS A STATE CHARTERED MEMBER OWNED COOPERATIVE CREDIT UNION THAT PROVIDES FINANCIAL SERVICES FOR THE MEMBER OWNERS.

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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 (2025)

Revenue Breakdown

Contributions & Grants $304,591

Program Service Revenue $2,270,661

Investment Income $1,198,112

Other Revenue $0

TOTAL REVENUE $3,773,364

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,142,628

Fundraising Expenses $0

Other Expenses $2,475,008

TOTAL EXPENSES $3,617,636

Year-over-Year Comparison

	2025	2024	Change
Revenue	$3,773,364	$3,400,580	+0.1%
Expenses	$3,617,636	$3,650,116	0.0%
Net Income	$155,728	$-249,536	-1.6%

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

$540,155

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
KAREN RIEL	PRESIDENT /	40.00	Officer	$121,937	$37,560	$159,497
LEO FELDMANN	VP ACCOUNTIN	40.00	Officer	$73,359	$17,688	$91,047
MARY TURNER	VP COMPLIANC	40.00	Officer	$54,195	$22,340	$76,535
MICHELLE LAPRESTO	COMM LENDING	40.00	Officer	$52,011	$23,940	$75,951
NICK MORISSETTE	BRANCH MANAG	40.00	Officer	$60,042	$14,478	$74,520
TERRY LAWS	CONSUM LEND	40.00	Officer	$56,005	$6,600	$62,605
JON FERGUSON	DIRECTOR	1.00	Director	$0	$0	$0
JOHN GORDON	DIRECTOR	1.00	Director	$0	$0	$0
THOMAS HANOVER	DIRECTOR	1.00	Director	$0	$0	$0
DAIREL KAISER	SECRETARY	1.00	Director	$0	$0	$0
JAMES MARTIN	VICE CHAIRPE	1.00	Director	$0	$0	$0
BRENDA REED	DIRECTOR	1.00	Director	$0	$0	$0
PAUL WHITE	CHAIRPERSON	1.00	Director	$0	$0	$0
KERRY WOOD	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
2025	$3,773,364	$3,617,636	$80,857,452	$155,728
2024	$3,400,580	$3,650,116	$78,932,667	$-249,536
2023	$3,285,283	$3,090,393	$84,588,228	$194,890
2022	$2,879,242	$2,576,841	$90,647,762	$302,401
2021	$2,695,170	$2,401,410	$92,848,088	$293,760
2020	$2,821,998	$2,671,527	$88,550,590	$150,471