Catholic Vantage Financial Credit Union (EIN 381490360) - 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

1953

Legal Domicile

Phone

7344320212

Tax Period

2024-01-01 to 2024-12-31

Catholic Vantage Financial Credit Union, founded in 1953, is a community nonprofit that reported $6.2M in total revenue in fiscal year 2024. Revenue grew 8% year-over-year, indicating healthy expansion. Expenses of $5.6M left a modest 8% surplus.

Mission

Making life better by simplifying financial services through technology and exceptional service.

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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 $5,000,054

Investment Income $1,157,339

Other Revenue $0

TOTAL REVENUE $6,157,393

Expense Breakdown

Grants Paid $0

Salaries & Benefits $2,352,183

Fundraising Expenses $0

Other Expenses $3,284,704

TOTAL EXPENSES $5,636,887

Year-over-Year Comparison

	2024	2023	Change
Revenue	$6,157,393	$5,688,225	+0.1%
Expenses	$5,636,887	$4,925,491	+0.1%
Net Income	$520,506	$762,734	-0.3%

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

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

$897,085

Total Directors

$256,032

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
PETER BAGAZINSKI	CEO	50.00	Officer Director	$226,103	$29,929	$256,032
MICHAEL SCURTO	Vice President	45.00	Officer	$131,258	$22,556	$153,814
EMMA TELLER	Vice President	50.00	Officer	$107,454	$26,656	$134,110
ROBERT MARCINIAK	CFO	45.00	Officer	$120,607	$3,434	$124,041
JOANN PEURACH	Vice President	50.00	Officer	$99,797	$22,070	$121,867
ERIC ROTHERT	Vice President	45.00	Officer	$104,398	$2,823	$107,221
KEVIN PROST	Chairman	5.00	Director	$0	$0	$0
DENISE VAN DER STER	Director	1.50	Director	$0	$0	$0
CLEAMON MOORER JR	Secretary	1.50	Director	$0	$0	$0
ROBERT STOCKER SR	Director	1.50	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	$6,157,393	$5,636,887	$119,070,137	$520,506
2023	$5,688,225	$4,925,491	$122,391,896	$762,734
2022	$4,797,257	$4,084,543	$131,415,701	$712,714
2021	$4,376,998	$4,079,914	$133,430,747	$297,084
2020	$4,804,314	$3,944,764	$119,674,967	$859,550

Catholic Vantage Financial Credit Union