ANDIGO CREDIT UNION (EIN 361508191) - 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

Michael Murphy

Phone

8475765199

Tax Period

2019-01-01 to 2019-12-31

Andigo Credit Union, founded in 1939, is a mid-sized nonprofit that reported $39.3M in total revenue in fiscal year 2018. Revenue grew 10% year-over-year, indicating healthy expansion. Expenses of $35.6M left a modest 9% surplus.

Mission

The organization is a full service, state-chartered credit union providing a broad range of loan and deposit products and other financial services to its members located throughout the US using various channels including branches, a call center, and the internet.

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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 (2019)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $36,101,951

Investment Income $7,395,239

Other Revenue $0

TOTAL REVENUE $43,497,190

Expense Breakdown

Grants Paid $0

Salaries & Benefits $12,095,068

Fundraising Expenses $0

Program Expenses $0

Other Expenses $25,521,134

TOTAL EXPENSES $37,616,202

Year-over-Year Comparison

	2019	2018	Change
Revenue	$43,497,190	$39,311,959	+0.1%
Expenses	$37,616,202	$35,633,658	+0.1%
Net Income	$5,880,988	$3,678,301	+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

N/A

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

$991,976

Total Directors

$991,976

Key Employees

$1,701,355

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Michael Murphy	Chief Executive Officer	40	Officer Director Key Emp Highest	$625,716	$0	$625,716
Larry Rosin	Chief Financial Officer	40	Officer Director Key Emp Highest	$366,260	$0	$366,260
Jean Theis	Chief Operating Officer	40	Key Emp Highest	$357,355	$0	$357,355
Sean Bowers	Chief Lending Officer	40	Key Emp Highest	$352,024	$0	$352,024
Matthew Hancock	Vice President - Business Services	40	Highest	$229,060	$0	$229,060
Christine Stotland	Vice President - Member Experience	40	Highest	$221,235	$0	$221,235
Robert Wilberg	Vice President - Controller	40	Highest	$182,337	$0	$182,337
Eric Kapusinski	Vice President - Information Technology	40	Highest	$170,651	$0	$170,651
Sarah Brenner	VP - Marketing	40	Highest	$161,648	$0	$161,648
Sandra Zuniga	Accounting Manager	40	Highest	$118,344	$0	$118,344
Robin Balfour	Training and Facility Manager	40	Highest	$110,702	$0	$110,702
Mark Holladay	Business Loan Officer	40	Highest	$108,231	$0	$108,231
Heather McGivern	Operations Manager	40	Highest	$105,603	$0	$105,603
Michael Chatterton	Wealth Management Advisor	40	Highest	$103,150	$0	$103,150
Melissa Pedregal	Consumer Lending Manager	40	Highest	$100,310	$0	$100,310
Ann Simms	Chairman	3	Director	$0	$0	$0
Jeannine Meyo	Director	3	Director	$0	$0	$0
Michael Annes	Vice Chairman	3	Director	$0	$0	$0
John Fiore	Director	3	Director	$0	$0	$0
Bob Hubberts	Director	3	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
2019	$43,497,190	$37,616,202	$850,101,906	$5,880,988
2018	$39,311,959	$35,633,658	$839,084,378	$3,678,301

ANDIGO CREDIT UNION