CHICAGO FIREMANS ASSOCIATION CREDIT UNION (EIN 360899810) - 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

1938

Legal Domicile

Principal Officer

MICHELLE JASKULSKI

Phone

3127910834

Tax Period

2023-01-01 to 2023-12-31

CHICAGO FIREMANS ASSOCIATION CREDIT UNION, founded in 1938, is a small nonprofit that reported $899K in total revenue in fiscal year 2023. Revenue surged 25% from the prior year, signaling strong growth momentum. Expenses of $858K left a modest 5% surplus.

Mission

TO ASSISIT OUR MEMBERS IN THE MANAGEMENT OF THEIR FINANCIAL WELL-BEING BY PROVIDING LOANS, SAVINGS ACCOUNT AND OTHER FINANCIAL INSTITUTION SERVICES IN A FRIENDLY AND PROFESSIONAL MANNER.

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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 $821,138

Investment Income $77,782

Other Revenue $0

TOTAL REVENUE $898,920

Expense Breakdown

Grants Paid $0

Salaries & Benefits $390,220

Fundraising Expenses $0

Program Expenses $858,177

Other Expenses $467,957

TOTAL EXPENSES $858,177

Year-over-Year Comparison

	2023	2022	Change
Revenue	$898,920	$720,405	+0.2%
Expenses	$858,177	$740,305	+0.2%
Net Income	$40,743	$-19,900	-3.0%

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

$50,630

Total Directors

$92,940

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MARK GULLIFORD	TREASURER	6.00	Officer Director	$15,987	$0	$15,987
MICHELLE JASKULSKI	CHAIRPERSON	12.00	Officer Director	$15,518	$0	$15,518
RYAN ENRIGHT	VICE-PRESIDENT	18.00	Director	$21,490	$0	$21,490
CURTIS HUDSON	DIRECTOR	1.00	Director	$0	$0	$0
YAZMIN TRACY	DIRECTOR	1.00	Director	$0	$0	$0
CLINT RIVERA	DIRECTOR	18.00	Director	$20,820	$0	$20,820
BRYAN TYMICK	DIRECTOR	1.00	Director	$0	$0	$0
MICHAEL CAMERON	SECRETARY	18.00	Officer Director	$19,125	$0	$19,125

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	$898,920	$858,177	$20,591,198	$40,743
2022	$720,405	$740,305	$21,268,793	$-19,900
2021	$696,281	$695,663	$21,124,384	$618
2020	$812,336	$774,652	$20,041,716	$37,684
2019	$936,075	$853,884	$19,433,232	$82,191
2018	$916,799	$843,897	$18,956,342	$72,902

CHICAGO FIREMANS ASSOCIATION CREDIT UNION