DUPAGE 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

1956

Legal Domicile

Principal Officer

Roberta Kozlowicz

Phone

6304283440

Tax Period

2025-01-01 to 2025-12-31

DUPAGE CREDIT UNION, founded in 1956, is a mid-sized nonprofit that reported $40.1M in total revenue in fiscal year 2025. Expenses of $34.3M left a modest 14% surplus.

Mission

AS A COOPERATIVE, WE OFFER FINANCIAL PRODUCTS AND SERVICES TO ENHANCE THE ECONOMIC WELL-BEING OF OUR MEMBERS NOW AND INTO THE FUTURE.

Program Service Accomplishments

Program 1

Provided checking accounts to over 16,000 members.

Program 2

Provided first and second mortgage loans to over 5,000 members.

Program 3

Received deposits on savings from over 43,000 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 $35,382,783

Investment Income $4,671,302

Other Revenue $5,300

TOTAL REVENUE $40,059,385

Expense Breakdown

Grants Paid $0

Salaries & Benefits $14,066,562

Fundraising Expenses $0

Program Expenses $0

Other Expenses $20,281,505

TOTAL EXPENSES $34,348,067

Year-over-Year Comparison

	2025	2024	Change
Revenue	$40,059,385	$37,877,320	+0.1%
Expenses	$34,348,067	$32,395,568	+0.1%
Net Income	$5,711,318	$5,481,752	+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

164

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

$1,859,404

Total Directors

Key Employees

$444,619

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Roberta Kozlowicz	President/CEO	40	Officer	$533,955	$45,438	$579,393
Amy Brandt	Chief Experience Officer	40	Officer	$299,240	$42,307	$341,547
Ryan Fisher	Chief Financial Officer	40	Officer	$288,359	$36,927	$325,286
Jason DeGarmo	Chief Lending Officer	40	Officer	$267,138	$46,053	$313,191
Frank Sposito	Chief Information Officer	40	Officer	$280,246	$19,741	$299,987
James Chyllo	AVP of Retail & Compliance	40	Key Emp	$185,119	$43,123	$228,242
Diana Hughes	Controller	40	Highest	$206,277	$17,251	$223,528
Rachelle Mulconrey	AVP of Technology	40	Key Emp	$202,659	$13,718	$216,377
Michael Borosak	Senior Systems and Network Administrator	40	Highest	$165,133	$17,306	$182,439
Ashlee Kline	AVP Marketing	40	Highest	$163,504	$9,941	$173,445
Alex Heil	Director Marketing	40	Highest	$155,760	$16,164	$171,924
Helen Rompa	Senior Residential Lending Underwriter	40	Highest	$151,838	$4,812	$156,650
Debra Ragusa	Chairman of the Board	5	Director	$0	$0	$0
Kaitlin Plucinski	Vice Chairman of the Board	5	Director	$0	$0	$0
Michael Dzugan	Board Secretary	5	Director	$0	$0	$0
Dennis Andre	Board Member	5	Director	$0	$0	$0
Gary Saake	Board Member	5	Director	$0	$0	$0
Bryan Jones	Board Treasurer	5	Director	$0	$0	$0
William Shields	Board Member	5	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	$40,059,385	$34,348,067	$581,069,288	$5,711,318
2024	$37,877,320	$32,395,568	$565,310,502	$5,481,752
2023	$36,582,920	$34,756,818	$578,226,107	$1,826,102
2022	$30,736,632	$28,120,364	$581,714,800	$2,616,268
2021	$27,754,068	$24,659,556	$557,263,458	$3,094,512
2020	$28,684,027	$23,094,936	$480,745,505	$5,589,091
2019	$23,997,758	$21,208,371	$385,496,474	$2,789,387
2018	$20,341,033	$18,222,197	$356,000,498	$2,118,836