4FRONT CREDIT UNION (EIN 381524350) - 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

1954

Legal Domicile

Principal Officer

ANDREW KEMPF

Phone

2319292000

Tax Period

2023-01-01 to 2023-12-31

4FRONT CREDIT UNION, founded in 1954, is a mid-sized nonprofit that reported $72.3M in total revenue in fiscal year 2023. Revenue surged 28% from the prior year, signaling strong growth momentum. Expenses of $68.2M left a modest 6% surplus.

Mission

TO PROVIDE FINANCIAL SERVICES TO MEMBERS WITH 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 (2023)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $67,571,354

Investment Income $3,435,805

Other Revenue $1,340,446

TOTAL REVENUE $72,347,605

Expense Breakdown

Grants Paid $0

Salaries & Benefits $19,914,744

Fundraising Expenses $0

Other Expenses $36,266,311

TOTAL EXPENSES $68,221,104

Year-over-Year Comparison

	2023	2022	Change
Revenue	$72,347,605	$56,680,662	+0.3%
Expenses	$68,221,104	$45,227,865	+0.5%
Net Income	$4,126,501	$11,452,797	-0.6%

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

387

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

$1,040,960

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
TODD ROHRBACK	CHAIRMAN OF THE BOARD	1.00	Officer Director	$0	$0	$0
BRYAN LINDFORS	VICE CHAIRMAN	1.00	Officer Director	$0	$0	$0
MICHAEL SKYLER FORT	SECRETARY	1.00	Officer Director	$0	$0	$0
JOHN JACK HODGE	TREASURER	1.00	Officer Director	$0	$0	$0
CHARLES HAGUE	DIRECTOR	1.00	Director	$0	$0	$0
MIKE SLATER	DIRECTOR	1.00	Director	$0	$0	$0
BRIAN AUSDEMORE	DIRECTOR	1.00	Director	$0	$0	$0
JULIE KOSLOSKEY	DIRECTOR	1.00	Director	$0	$0	$0
MATILYN MATTIE MEADOWS	DIRECTOR	1.00	Director	$0	$0	$0
ANDREW KEMPF	CEO	40.00	Officer	$550,884	$83,323	$634,207
KARL PAGEL	CFO	40.00	Officer	$334,137	$72,616	$406,753
GEOFF STREIT	VP COMMERCIAL LENDING	40.00	Highest	$345,171	$53,764	$398,935
SHELLEY DEYOUNG	COO	40.00	Highest	$246,732	$41,728	$288,460
JACK MARTIN	CIO	40.00	Highest	$232,421	$24,471	$256,892
DANIEL BAKER	CLO	40.00	Highest	$212,185	$38,308	$250,493
RACHEL HUNTER	CMO	40.00	Highest	$192,330	$34,277	$226,607

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	$72,347,605	$68,221,104	$1,086,820,765	$4,126,501
2022	$56,680,662	$45,227,865	$1,009,844,526	$11,452,797
2021	$51,854,069	$42,435,257	$896,646,295	$9,418,812
2020	$43,206,858	$36,701,631	$742,406,934	$6,505,227
2019	$39,221,324	$34,435,623	$560,363,272	$4,785,701
2018	$34,298,344	$28,441,271	$516,059,883	$5,857,073

4FRONT CREDIT UNION