WILDFIRE CREDIT UNION (EIN 380996065) - 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

1937

Legal Domicile

Principal Officer

ROBERT C TRUMBLE

Phone

9892498200

Tax Period

2024-01-01 to 2024-12-31

WILDFIRE CREDIT UNION, founded in 1937, is a mid-sized nonprofit that reported $62.1M in total revenue in fiscal year 2024. Revenue surged 25% from the prior year, signaling strong growth momentum. Expenses of $59.1M left a modest 5% surplus.

Mission

TO PROVIDE LOW/NO COST FINANCIAL PRODUCTS AND SERVICES TO MEMBER OWNERS WHO SHARE A COMMON BOND.

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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 $47,660,453

Investment Income $14,489,349

Other Revenue $0

TOTAL REVENUE $62,149,802

Expense Breakdown

Grants Paid $0

Salaries & Benefits $16,651,186

Fundraising Expenses $0

Other Expenses $42,455,545

TOTAL EXPENSES $59,106,731

Year-over-Year Comparison

	2024	2023	Change
Revenue	$62,149,802	$49,757,946	+0.2%
Expenses	$59,106,731	$50,005,824	+0.2%
Net Income	$3,043,071	$-247,878	-13.3%

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

241

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

$1,286,680

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
TIMOTHY W BENECKE	PRESIDENT/CE	40.00	Officer	$470,463	$53,197	$523,660
ROBERT C TRUMBLE	CFO	40.00	Officer	$316,219	$84,123	$400,342
BENJAMIN DENAY	PRESIDENT/CE	40.00	Officer	$339,329	$23,349	$362,678
MARK SCHUILING	CHIEF TECHNO	40.00	Highest	$271,379	$41,675	$313,054
TRACY KAUFMAN	CHIEF LENDIN	40.00	Highest	$236,899	$48,828	$285,727
MICHAEL ZEIMEN	CHIEF DATA O	40.00	Highest	$208,249	$33,553	$241,802
ANDREA HALES	CHIEF BUSINE	40.00	Highest	$191,391	$37,025	$228,416
KIMBERLY EGELER	CHIEF BRANCH	40.00	Highest	$171,661	$28,963	$200,624
ANDREW BETHUNE	TREASURER	2.00	Officer Director	$0	$0	$0
JENNA DOST	VICE CHAIRPE	2.00	Officer Director	$0	$0	$0
RODNEY L FRANCIS	SECRETARY	2.00	Officer Director	$0	$0	$0
GENE ROUSSEAU	DIRECTOR	2.00	Director	$0	$0	$0
JEANELLE SMITH	DIRECTOR	2.00	Director	$0	$0	$0
PAUL SUDHOFF	DIRECTOR	2.00	Director	$0	$0	$0
KEN VOELKER	CHAIRPERSON	2.00	Officer 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
2024	$62,149,802	$59,106,731	$1,111,206,637	$3,043,071
2023	$49,757,946	$50,005,824	$1,075,470,650	$-247,878
2022	$42,338,523	$37,350,013	$1,031,748,656	$4,988,510
2021	$44,555,752	$34,829,715	$1,097,457,613	$9,726,037
2020	$40,766,110	$35,823,551	$996,800,342	$4,942,559
2019	$41,259,879	$35,496,685	$844,798,383	$5,763,194
2018	$35,880,699	$31,781,537	$769,168,509	$4,099,162

WILDFIRE CREDIT UNION