ONE DETROIT CREDIT UNION

EIN: 380480308

DETROIT, MI

Total Revenue
$15,957,635
Total Expenses
$8,204,182
Total Assets
$59,628,783
Net Assets
$13,630,205
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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
1935
Legal Domicile
MI
Principal Officer
HANK HUBBARD
Phone
3139658640
Tax Period
2023-01-01 to 2023-12-31

ONE DETROIT CREDIT UNION, founded in 1935, is a mid-sized nonprofit that reported $16.0M in total revenue in fiscal year 2023. Revenue surged 103% from the prior year, signaling strong growth momentum. The organization ran a surplus of $7.8M, a strong 49% operating margin.

Mission

THE MISSION OF ONE DETROIT CREDIT UNION IS TO HELP PEOPLE IN OUR COMMUNITY WHO HAVE BEEN OVERLOOKED BY THE MAINSTREAM BANKING SYSTEM BY PROVIDING THEM WITH CREDIBLE, FAIR, AND REASONABLY PRICED FINANCIAL PRODUCTS AND SERVICES.

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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%)

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Financial Overview (2023)

Revenue Breakdown

Contributions & Grants $8,337,968
Program Service Revenue $6,836,037
Investment Income $709,016
Other Revenue $74,614
TOTAL REVENUE $15,957,635

Expense Breakdown

Grants Paid $10,000
Salaries & Benefits $3,753,036
Fundraising Expenses $0
Other Expenses $4,441,146
TOTAL EXPENSES $8,204,182

Year-over-Year Comparison

2023 2022 Change
Revenue $15,957,635 $7,879,637 +1.0%
Expenses $8,204,182 $7,485,838 +0.1%
Net Income $7,753,453 $393,799 +18.7%
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

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Governance

Voting Members
9
Independent Members
9
Employees
50
Volunteers
9

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
2
$416,497
Total Directors
9
$0
Key Employees
0
$0
Highest Compensated
1
reported
Name Title Hours/Week Role Reportable Comp Other Comp Total
KAI BOWMAN DIRECTOR 1.00
Director
$0 $0 $0
PATRICK HERON DIRECTOR 1.00
Director
$0 $0 $0
ANNE ZOBEL CHAIRMAN OF THE BOARD 1.00
Director
$0 $0 $0
ANTHONY ASKEW DIRECTOR 1.00
Director
$0 $0 $0
MIKAI GREEN SECRETARY 1.00
Director
$0 $0 $0
TIFFANY VANTINO DIRECTOR 1.00
Director
$0 $0 $0
JOSHUA ROBERSON VICE CHAIRMAN 1.00
Director
$0 $0 $0
REGINA GREEAR TREASURER 1.00
Director
$0 $0 $0
JOANN TAYLOR DIRECTOR 1.00
Director
$0 $0 $0
HANK HUBBARD PRESIDENT/CEO 40.00
Officer
$332,135 $45,669 $377,804
CHARLES PRUETT CFO 40.00
Officer
$38,693 $0 $38,693
SHAVONE GILSTRAP VP/HUMAN RESOURCES 40.00
Highest
$119,338 $38,076 $157,414
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
2024 No data No data No data No data
2023 $15,957,635 $8,204,182 $59,628,783 $7,753,453
2022 $7,879,637 $7,485,838 $54,815,437 $393,799
2021 $8,815,139 $6,229,438 $56,648,084 $2,585,701
2020 $6,100,032 $6,325,042 $50,654,437 $-225,010
2019 $7,469,062 $7,235,503 $39,634,142 $233,559
2018 $7,597,817 $7,611,807 $36,254,598 $-13,990
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