COMMONWEALTH CREDIT UNION (EIN 362424927) - 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

1951

Legal Domicile

Principal Officer

RAEANN LOVE

Phone

8159377447

Tax Period

2025-01-01 to 2025-12-31

COMMONWEALTH CREDIT UNION, founded in 1951, is a community nonprofit that reported $3.7M in total revenue in fiscal year 2018. Revenue grew 10% year-over-year, indicating healthy expansion. Expenses of $3.2M left a modest 14% surplus.

Mission

COMMONWEALTH CREDIT UNION, BUILDING LIFELONG RELATIONSHIPS ONE MEMBER AT A TIME.

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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 $5,057,025

Investment Income $1,041,557

Other Revenue $0

TOTAL REVENUE $6,098,582

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,761,133

Fundraising Expenses $0

Other Expenses $2,784,477

TOTAL EXPENSES $4,545,610

Year-over-Year Comparison

	2025	2024	Change
Revenue	$6,098,582	$5,885,489	+0.0%
Expenses	$4,545,610	$4,576,283	0.0%
Net Income	$1,552,972	$1,309,206	+0.2%

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

$244,138

Total Directors

Key Employees

$180,813

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
KENNETH TOUSIGNANT	CHAIRPERSON	N/A	Officer Director	$0	$0	$0
BETTY DRECHSEL	SECRETARY	N/A	Officer Director	$0	$0	$0
RAEANN LOVE	PRESIDENT/CE	40.00	Officer	$244,138	$0	$244,138
H RALPH MARQUIS	DIRECTOR	N/A	Director	$0	$0	$0
CARL CAVITT	DIRECTOR	N/A	Director	$0	$0	$0
CHERYL O'BRIEN	VICE CHAIR	N/A	Officer Director	$0	$0	$0
TODD MEIER	VP OF LENDIN	40.00	Key Emp	$180,813	$0	$180,813

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	$6,098,582	$4,545,610	$117,962,916	$1,552,972
2024	$5,885,489	$4,576,283	$118,326,005	$1,309,206
2023	$5,142,679	$4,053,135	$116,608,531	$1,089,544
2022	$4,135,024	$3,437,216	$118,201,063	$697,808
2021	$4,169,993	$3,295,023	$107,784,960	$874,970
2020	$3,812,813	$3,378,213	$97,013,268	$434,600
2019	$4,126,981	$3,444,117	$84,998,155	$682,864
2018	$3,664,953	$3,168,484	$82,463,867	$496,469

COMMONWEALTH CREDIT UNION