CORPORATE AMERICA FAMILY CREDIT UNION (EIN 360760135) - 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

1939

Legal Domicile

Principal Officer

STEFANIE RUPERT

Phone

8003591939

Tax Period

2023-01-01 to 2023-12-31

CORPORATE AMERICA FAMILY CREDIT UNION, founded in 1939, is a mid-sized nonprofit that reported $34.2M in total revenue in fiscal year 2018. Expenses of $30.9M left a modest 10% surplus.

Mission

CORPORATE AMERICA FAMILY CREDIT UNION IS A NOT-FOR-PROFIT, MEMBER-OWNED AND DIRECTED FINANCIAL COOPERATIVE DEDICATED TO BEING THE PRIMARY FINANCIAL INSTITUTION FOR ITS 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 $37,972,789

Investment Income $8,540,460

Other Revenue $2,208

TOTAL REVENUE $46,515,457

Expense Breakdown

Grants Paid $0

Salaries & Benefits $19,346,682

Fundraising Expenses $0

Other Expenses $25,888,923

TOTAL EXPENSES $45,235,605

Year-over-Year Comparison

	2023	2022	Change
Revenue	$46,515,457	$39,765,164	+0.2%
Expenses	$45,235,605	$36,623,686	+0.2%
Net Income	$1,279,852	$3,141,478	-0.6%

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

281

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

$1,591,577

Total Directors

$1,349,986

Key Employees

$981,063

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
PETER PAULSON	PRESIDENT/CEO	40.00	Officer Director	$1,258,969	$91,017	$1,349,986
ELLEN MEEHAN	FORMER SVP - LENDING	40.00	Key Emp	$224,734	$47,923	$272,657
ANDREW BOWEN	SVP & CHIEF INFORMATION OFFICER	40.00	Key Emp	$198,637	$56,620	$255,257
DAN KADOLPH	SVP & CHIEF FINANCIAL OFFICER	40.00	Officer	$234,538	$7,053	$241,591
CAROL HOEM	FORMER SVP - MEMBERSHIP DEVELOPMENT	40.00	Key Emp	$191,237	$43,650	$234,887
MATTHEW HELMS	SVP - OPERATIONS	40.00	Key Emp	$174,855	$43,407	$218,262
JOSEPH SHULTZ	VP - COMMERCIAL LENDING	40.00	Highest	$157,354	$32,716	$190,070
STEVEN OLSON	VP - COMMERCIAL SERVICES	40.00	Highest	$162,427	$26,271	$188,698
LAURA KIRILUK	VP - BRANCH OPERATIONS	40.00	Highest	$148,350	$31,777	$180,127
FAITH MYERS	VP - LENDING	40.00	Highest	$156,114	$22,526	$178,640
KATHLEEN CROUSE	AVP - INFORMATION TECHNOLOGY	40.00	Highest	$124,459	$23,249	$147,708
JOHN BLOZIS	TREASURER	1.00	Officer Director	$0	$0	$0
GLENN BROWN	VICE CHAIR	1.00	Officer Director	$0	$0	$0
JEFF GOTT	DIRECTOR	1.00	Director	$0	$0	$0
TIFFANY JORDAN	DIRECTOR	1.00	Director	$0	$0	$0
COSTANZO MASTRANZI	FORMER CHAIR	1.00	Officer Director	$0	$0	$0
KENNETH NAATZ	SECRETARY	1.00	Officer Director	$0	$0	$0
THOMAS RIECK	CHAIR	1.00	Officer Director	$0	$0	$0
THOMAS SHEPPARD	DIRECTOR	1.00	Director	$0	$0	$0
PAT TOLLEFSON	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
2024	No data	No data	No data	No data
2023	$46,515,457	$45,235,605	$859,903,914	$1,279,852
2022	$39,765,164	$36,623,686	$839,530,698	$3,141,478
2021	$33,061,096	$32,071,163	$809,180,688	$989,933
2020	$35,097,340	$33,281,564	$765,694,790	$1,815,776
2019	$34,657,142	$32,732,315	$613,668,128	$1,924,827
2018	$34,243,142	$30,908,371	$621,948,799	$3,334,771

CORPORATE AMERICA FAMILY CREDIT UNION