FIELDSTONE CREDIT UNION (EIN 362261646) - Form 990 Financial Analysis & Trantor Score

🔒

Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

Sign in with your work email to view Tuckman-Chang indicators

Financial Trends

Organization Details

Formation Year

1953

Legal Domicile

Principal Officer

MARK BARON

Phone

8159291870

Tax Period

2024-01-01 to 2024-12-31

FIELDSTONE CREDIT UNION, founded in 1953, is a community nonprofit that reported $3.3M in total revenue in fiscal year 2024. Revenue surged 21% from the prior year, signaling strong growth momentum. Expenses of $2.8M left a modest 15% surplus.

Mission

FIELDSTONE CREDIT UNION EXISTS TO MEET THE CHANGING FINANCIAL NEEDS OF OUR MEMBERSHIP BY PROVIDING FAIR AND COMPETITIVE SERVICES WHILE MAINTAINING LONG-TERM FINANCIAL SECURITY FOR THE CREDIT UNION AND ITS MEMBERS.

🔒

Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

Sign in to view Trantor Score and financial metrics

Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $2,418,684

Investment Income $655,252

Other Revenue $219,326

TOTAL REVENUE $3,293,262

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,222,311

Fundraising Expenses $0

Other Expenses $1,589,090

TOTAL EXPENSES $2,811,401

Year-over-Year Comparison

	2024	2023	Change
Revenue	$3,293,262	$2,722,828	+0.2%
Expenses	$2,811,401	$2,407,198	+0.2%
Net Income	$481,861	$315,630	+0.5%

Key Indicators

✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✓ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✗ Schedule B Required

🔒

Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

Sign in to view all financial metrics

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

$239,338

Total Directors

$239,338

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MARK BARON	PRESIDENT	40.00	Officer Director	$131,102	$0	$131,102
DEBBIE EILTS	VP OF LENDIN	40.00	Officer Director	$108,236	$0	$108,236
EMILEY BLAIR	DIRECTOR	N/A	Director	$0	$0	$0
WAYNE DELABRE	DIRECTOR	N/A	Director	$0	$0	$0
CONNIE HENDRICKSON	DIRECTOR	N/A	Director	$0	$0	$0
CONSTANCE HINES	VICE CHAIIRP	N/A	Officer Director	$0	$0	$0
LEO LEWIS	CHAIRPERSON	N/A	Officer Director	$0	$0	$0
DEMETRA PROCTOR	SECRETARY/TR	N/A	Officer Director	$0	$0	$0
BRIAN RAPP	DIRECTOR	N/A	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	No data	No data	No data	No data
2024	$3,293,262	$2,811,401	$53,898,639	$481,861
2023	$2,722,828	$2,407,198	$52,974,657	$315,630
2022	$2,368,480	$2,086,752	$58,104,454	$281,728
2021	$2,417,242	$2,036,120	$58,300,352	$381,122
2020	$2,200,505	$2,054,726	$53,503,197	$145,779
2019	$2,348,046	$1,974,526	$45,690,262	$373,520
2018	$2,244,825	$1,966,128	$44,615,388	$278,697

FIELDSTONE CREDIT UNION