COLLEGE & UNIVERSITY CREDIT UNION (EIN 366191374) - 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

1962

Legal Domicile

Principal Officer

KEVIN J BARRETT

Phone

3126144393

Tax Period

2024-01-01 to 2024-12-31

COLLEGE & UNIVERSITY CREDIT UNION, founded in 1962, is a micro nonprofit that reported $53K in total revenue in fiscal year 2024. Revenue grew 10% year-over-year, indicating healthy expansion. The organization ran a surplus of $11K, a strong 22% operating margin.

Mission

CREDIT UNION PROVIDING SAVINGS AND LOAN SERVICES TO MEMBERS PER CHARTER.

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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 (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $17,609

Investment Income $35,003

Other Revenue $460

TOTAL REVENUE $53,072

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $41,592

TOTAL EXPENSES $41,592

Year-over-Year Comparison

	2024	2023	Change
Revenue	$53,072	$48,099	+0.1%
Expenses	$41,592	$38,434	+0.1%
Net Income	$11,480	$9,665	+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

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ROCHELLE ROBINSON-DUKES	DIRECTOR	2.00	Director	$0	$0	$0
KEVIN BARRETT	PRESIDENT	15.00	Director	$0	$0	$0
DELWYN JONES	DIRECTOR	2.00	Director	$0	$0	$0
VONETTA BROWN	DIRECTOR	2.00	Director	$0	$0	$0
RASHID CARTER	DIRECTOR	2.00	Director	$0	$0	$0
ANTHONY JOHNSTON	DIRECTOR	2.00	Director	$0	$0	$0
DON RADTKE	DIRECTOR	2.00	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	$53,072	$41,592	$1,227,660	$11,480
2023	$48,099	$38,434	$1,268,475	$9,665
2022	$35,080	$31,823	$1,230,941	$3,257
2021	$39,974	$31,831	$1,240,147	$8,143
2020	$34,238	$38,598	$1,169,075	$-4,360
2019	$32,746	$32,139	$1,090,673	$607
2018	$34,029	$31,761	$1,084,046	$2,268

COLLEGE & UNIVERSITY CREDIT UNION