CREDIT UNION ONE (EIN 380536242) - 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

GARY MOODY

Phone

2483981210

Tax Period

2022-01-01 to 2022-12-31

CREDIT UNION ONE, founded in 1938, is a mid-sized nonprofit that reported $70.3M in total revenue in fiscal year 2022. Revenue grew 12% year-over-year, indicating healthy expansion. The organization ran a surplus of $10.7M, a strong 15% operating margin.

Mission

CREDIT UNION ONE IS COMMITTED TO PROVIDING EXCEPTIONAL VALUE TO ITS MEMBERS BY DELIVERING OUTSTANDING PRODUCTS AND SERVICES ANYTIME, ANYWHERE.

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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 (2022)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $63,338,645

Investment Income $6,929,004

Other Revenue $0

TOTAL REVENUE $70,267,649

Expense Breakdown

Grants Paid $10,000

Salaries & Benefits $28,434,734

Fundraising Expenses $0

Other Expenses $31,091,595

TOTAL EXPENSES $59,536,329

Year-over-Year Comparison

	2022	2021	Change
Revenue	$70,267,649	$62,924,862	+0.1%
Expenses	$59,536,329	$52,607,342	+0.1%
Net Income	$10,731,320	$10,317,520	+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

393

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

$1,086,705

Total Directors

Key Employees

$1,427,451

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
GUADALUPE G LARA	CHAIRPERSON	3.00	Director	$0	$0	$0
PAUL W STUART	VICE CHAIRPERSON	3.00	Director	$0	$0	$0
JAN GILLESPIE	BOARD MEMBER	3.00	Director	$0	$0	$0
RUDOLPH R MONTANO JR	BOARD MEMBER	3.00	Director	$0	$0	$0
DAVID C PRYBYS	BOARD DIRECTOR	3.00	Director	$0	$0	$0
RAYMOND F REDMOND	BOARD MEMBER	3.00	Director	$0	$0	$0
JUANITA M REID	BOARD MEMBER	3.00	Director	$0	$0	$0
DINO DEPONIO	BOARD MEMBER	3.00	Director	$0	$0	$0
NICKOLAS NICKOLOPOULOS	BOARD DIRECTOR	3.00	Director	$0	$0	$0
CHRISTINE DOWHAN-BAILEY	SECRETARY/TREASURER	3.00	Director	$0	$0	$0
ED DURBIN	BOARD MEMBER	3.00	Director	$0	$0	$0
GARY MOODY	CEO	40.00	Officer	$532,264	$37,615	$569,879
RICHARD HESTER	INTERIM CFO	40.00	Officer	$162,884	$11,447	$174,331
CHRISTINA TRACY	PRESIDENT, COO	40.00	Officer	$313,828	$28,667	$342,495
JULIE MILLS	SVP CHIEF INFORMATION SECURITY OFFICER	40.00	Key Emp	$256,156	$32,633	$288,789
DAVID BREUER	SVP/CHIEF INFORMATION OFFICER	40.00	Key Emp	$244,771	$14,690	$259,461
MURAIL SHESHAM	SVP CHIEF TECH DATA OFFICER	40.00	Key Emp	$211,889	$5,988	$217,877
MARK MACFARLANE	SVP COO, HANTZ	40.00	Key Emp	$181,150	$27,444	$208,594
MARK OUIMET	EVP CHIEF LENDING OFFICER	40.00	Key Emp	$218,416	$5,139	$223,555
SWAMINATHAN SEETHARAMAN	SVP CHIEF MARKETING OFFICER	1.00	Key Emp	$205,702	$23,473	$229,175
DONNA REID	SVP CHIEF MEMBER EXPERIENCE TRANSFORMATION OFFICER	40.00	Highest	$172,474	$23,473	$195,947
RENEE MUCCIOLI	SVP CHIEF MEMBER ENGAGEMENT/SALES	40.00	Highest	$221,252	$18,094	$239,346
LANCE KRAJACIC	SVP COMMERCIAL LENDING	40.00	Highest	$210,349	$5,927	$216,276
AYREN HURST	SVP CHIEF EMPLOYEE EXPERIENCE OFFICER	40.00	Highest	$170,583	$26,290	$196,873
JOHN KOZICH	VP BUSINESS DEVELOPMENT/COMMUNITY RELATIONS	40.00	Highest	$567,612	$19,238	$586,850

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
2022	$70,267,649	$59,536,329	$1,758,444,493	$10,731,320
2021	$62,924,862	$52,607,342	$1,817,447,747	$10,317,520
2020	$68,185,799	$60,665,251	$1,659,764,690	$7,520,548
2019	$66,716,893	$57,212,950	$1,490,291,033	$9,503,943
2018	$59,114,786	$48,315,101	$1,190,826,264	$10,799,685

CREDIT UNION ONE