CHICAGO FIREFIGHTERS CREDIT UNION (EIN 360862203) - 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

1937

Legal Domicile

Principal Officer

GLORIA L HNOJSKY

Phone

7735815253

Tax Period

2025-01-01 to 2025-12-31

CHICAGO FIREFIGHTERS CREDIT UNION, founded in 1937, is a community nonprofit that reported $4.4M in total revenue in fiscal year 2025. Expenses of $3.8M left a modest 13% surplus.

Mission

CREDIT UNION TO PROMOTE THRIFT AND PROVIDE LOW COST LOANS TO OUR MEMBERS THIS IS ACCOMPLISHED ON A COOP NONPROFIT BASIS

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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 $0

Program Service Revenue $3,204,582

Investment Income $948,958

Other Revenue $248,703

TOTAL REVENUE $4,402,243

Expense Breakdown

Grants Paid $0

Salaries & Benefits $911,655

Fundraising Expenses $0

Other Expenses $2,912,847

TOTAL EXPENSES $3,824,502

Year-over-Year Comparison

	2025	2024	Change
Revenue	$4,402,243	$4,155,699	+0.1%
Expenses	$3,824,502	$3,152,826	+0.2%
Net Income	$577,741	$1,002,873	-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

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

$259,209

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
GLORIA L HNOJSKY	PRESIDENTCEO	40.00	Officer	$231,423	$27,786	$259,209
MARGARET L DORAN	OPERATIONS MANAGER	40.00	Highest	$116,303	$0	$116,303
JOSEPH G HNOJSKY	CONTROLLER	40.00	Highest	$109,216	$0	$109,216
PATRICIA L DEMPSEY	MEMBER SUPERVISOR	40.00	Highest	$102,427	$0	$102,427
MICHAEL V DUDAK	CHAIRMAN	1.00	Director	$0	$0	$0
MATTHEW SULLIVAN	TREASURERSECRETARY	1.00	Director	$0	$0	$0
GREGORY M KURCAB	DIRECTOR	1.00	Director	$0	$0	$0
WILLIAM E MEYER	DIRECTOR	1.00	Director	$0	$0	$0
THOMAS D DOYLE	DIRECTOR	1.00	Director	$0	$0	$0
MICHAEL J ROCHE	DIRECTOR	1.00	Director	$0	$0	$0
ANTHONY J O'BRIEN	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	$4,402,243	$3,824,502	$85,136,594	$577,741
2024	No data	No data	No data	No data
2023	$3,758,195	$2,934,101	$74,356,983	$824,094
2022	$2,659,682	$1,777,163	$77,133,352	$882,519
2021	$2,413,606	$1,902,278	$77,630,432	$511,328
2020	$2,359,806	$1,766,359	$69,903,300	$593,447
2019	$2,576,905	$1,902,075	$57,677,680	$674,830
2018	$2,395,385	$1,626,106	$56,139,088	$769,279

CHICAGO FIREFIGHTERS CREDIT UNION