CATHOLIC & COMMUNITY CREDIT UNION (EIN 370646158) - 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

1938

Legal Domicile

Principal Officer

KEN BOSSUNG

Phone

6182338073

Tax Period

2025-01-01 to 2025-12-31

CATHOLIC & COMMUNITY CREDIT UNION, founded in 1938, is a mid-sized nonprofit that reported $11.8M in total revenue in fiscal year 2025. Revenue grew 15% year-over-year, indicating healthy expansion. Expenses of $10.5M left a modest 10% surplus.

Mission

PROVIDE LOANS AND SAVINGS ACCOUNTS TO 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 $8,387,494

Investment Income $3,385,884

Other Revenue $-1,770

TOTAL REVENUE $11,771,608

Expense Breakdown

Grants Paid $0

Salaries & Benefits $2,225,785

Fundraising Expenses $0

Other Expenses $8,310,783

TOTAL EXPENSES $10,536,568

Year-over-Year Comparison

	2025	2024	Change
Revenue	$11,771,608	$10,202,766	+0.2%
Expenses	$10,536,568	$10,003,004	+0.1%
Net Income	$1,235,040	$199,762	+5.2%

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

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

$181,002

Total Directors

$181,002

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
THOMAS DINGES	CHAIRMAN	0.00	Officer Director	$0	$0	$0
NORMAN JACOB	DIRECTOR	0.00	Director	$0	$0	$0
THOMAS BELTER	VICE-CHAIRMAN	0.00	Officer Director	$0	$0	$0
KEN BOSSUNG	PRESIDENT	40.00	Officer Director	$172,340	$8,662	$181,002
DOREEN NERSESIAN	DIRECTOR	0.00	Director	$0	$0	$0
GREGORY HAYDEN	DIRECTOR	0.00	Director	$0	$0	$0
ROBERT FRIES	TREASURER & SECRETARY	0.00	Officer Director	$0	$0	$0
JOHN SCHABERG	DIRECTOR	0.00	Director	$0	$0	$0
TIMOTHY RICHARDS	DIRECTOR	0.00	Director	$0	$0	$0
JIM PICKUS	VICE PRESIDENT OF ACCOUNTI	40.00	Highest	$124,374	$4,813	$129,187
TRACY LINDHORST	VP OF LENDING	40.00	Highest	$126,256	$6,279	$132,535

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	$11,771,608	$10,536,568	$218,207,372	$1,235,040
2024	No data	No data	No data	No data
2023	$8,528,377	$7,890,894	$195,481,422	$637,483
2022	$6,891,014	$5,290,815	$183,413,723	$1,600,199
2021	$6,650,386	$4,793,732	$178,307,247	$1,856,654
2020	$6,087,157	$5,343,693	$161,878,817	$743,464
2019	$6,311,625	$5,178,209	$135,689,687	$1,133,416
2018	$5,736,433	$4,716,771	$124,403,783	$1,019,662

CATHOLIC & COMMUNITY CREDIT UNION