COMMUNITY TRUST CREDIT UNION

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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

1933

Legal Domicile

Principal Officer

CAROL ANALLA

Phone

8476622050

Tax Period

2025-01-01 to 2025-12-31

COMMUNITY TRUST CREDIT UNION, founded in 1933, is a mid-sized nonprofit in the Public & Societal Benefit sector that reported $15.3M in total revenue in fiscal year 2025. The organization ran a surplus of $3.0M, a strong 19% operating margin.

Mission

TO ASSIST OUR MEMBERS IN THE MANAGEMENT OF THEIR FINANCIAL WELL BEING BY PROVIDING LOANS, SAVINGS ACCOUNTS, AND OTHER FINANCIAL INSITUTION SERVICES.

Program Service Accomplishments

Program 1

PROVIDED CONSUMER LOANS TO 6,783 MEMBERS.

Program 2

PROVIDED HOME BANKING SERVICES TO 11,295 MEMBERS.

Program 3

RECEIVED DEPOSITS ON SAVINGS FROM 13,431 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 (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $9,079,528

Investment Income $6,250,481

Other Revenue $0

TOTAL REVENUE $15,330,009

Expense Breakdown

Grants Paid $0

Salaries & Benefits $4,653,396

Fundraising Expenses $0

Other Expenses $7,696,151

TOTAL EXPENSES $12,349,547

Year-over-Year Comparison

	2025	2024	Change
Revenue	$15,330,009	$15,150,433	+0.0%
Expenses	$12,349,547	$12,095,608	+0.0%
Net Income	$2,980,462	$3,054,825	0.0%

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

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

$907,557

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DAN KLOCZKOWSKI	CHAIRMAN	1.00	Director	$0	$0	$0
HENRY HANK GOVEKAR	VICE CHAIRMAN	1.00	Director	$0	$0	$0
JESSICA HIETT	TREASURER	1.00	Director	$0	$0	$0
ANDREW DALLSTREAM	SECRETARY	1.00	Director	$0	$0	$0
COREY CLARK	DIRECTOR	1.00	Director	$0	$0	$0
FRED FRIEDL	DIRECTOR	1.00	Director	$0	$0	$0
LINDA WEGGE-SLIPKE	DIRECTOR	1.00	Director	$0	$0	$0
CAROL ANALLA	CHIEF EXECUTIVE OFFICER	50.00	Officer	$358,771	$0	$358,771
JOSH VISSERING	CHIEF FINANCIAL OFFICER	50.00	Officer	$178,505	$0	$178,505
MICHELE COLE	CHIEF SERVICE OFFICER	50.00	Officer	$189,568	$0	$189,568
CATHERINE HILL	CHIEF RISK OFFICER	50.00	Officer	$180,713	$0	$180,713
JOSE NUNEZ	VICE PRESIDENT OF IT	50.00	Highest	$143,343	$0	$143,343
MICHAEL LENZI	MARKETING DIRECTOR	50.00	Highest	$117,970	$0	$117,970
NICOLE VOSTATEK	DIGITAL SERVICES DIRECTOR	50.00	Highest	$130,454	$0	$130,454
MICHELE HALLGREN	RETAIL OPERATIONS DIRECTOR	50.00	Highest	$115,453	$0	$115,453
BETTINA GOLWITZER	VICE PRESIDENT OF HR	50.00	Highest	$149,041	$0	$149,041

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	$15,330,009	$12,349,547	$331,300,013	$2,980,462
2024	$15,150,433	$12,095,608	$317,252,105	$3,054,825
2023	$14,516,805	$9,776,364	$307,429,832	$4,740,441
2022	$11,872,195	$7,782,195	$313,408,662	$4,090,000
2021	$7,919,294	$7,357,893	$300,266,331	$561,401
2020	$8,283,609	$7,379,567	$262,364,178	$904,042
2019	$9,500,650	$7,753,870	$225,966,161	$1,746,780
2018	$8,988,267	$7,193,141	$219,160,234	$1,795,126