UNIVERSITY OF WISCONSIN CREDIT UNION (EIN 390671465) - Form 990 Financial Analysis & Trantor Score

🔒

Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

Sign in with your work email to view Tuckman-Chang indicators

Financial Trends

Organization Details

Formation Year

1931

Legal Domicile

Principal Officer

PAUL KUNDERT

Phone

6082325000

Tax Period

2024-01-01 to 2024-12-31

UNIVERSITY OF WISCONSIN CREDIT UNION, founded in 1931, is a major nonprofit that reported $363.8M in total revenue in fiscal year 2024. Revenue surged 30% from the prior year, signaling strong growth momentum. Expenses of $331.8M left a modest 9% surplus.

Mission

THE UNIVERSITY OF WISCONSIN CREDIT UNION IS A FEDERALLY INSURED FINANCIAL INSTITUTION THAT PROVIDES CONSUMER FINANCIAL PRODUCTS AND SERVICES TO MEET THE MONEY MANAGEMENT GOALS OF ITS MEMBERS.

🔒

Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

Sign in to view Trantor Score and financial metrics

Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $307,850,415

Investment Income $55,946,405

Other Revenue $-23,300

TOTAL REVENUE $363,773,520

Expense Breakdown

Grants Paid $305,268

Salaries & Benefits $96,420,703

Fundraising Expenses $0

Other Expenses $235,058,972

TOTAL EXPENSES $331,784,943

Year-over-Year Comparison

	2024	2023	Change
Revenue	$363,773,520	$280,888,360	+0.3%
Expenses	$331,784,943	$253,257,113	+0.3%
Net Income	$31,988,577	$27,631,247	+0.2%

Key Indicators

✓ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✗ Schedule B Required

🔒

Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

Sign in to view all financial metrics

Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

Governance

Voting Members

Independent Members

Employees

1108

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

$2,458,053

Total Directors

$6,300

Key Employees

$2,474,445

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
KELLY WILSON	DIRECTOR - CHAIR	3.00	Officer Director	$900	$0	$900
STEVEN RICK	DIRECTOR - VICE CHAIR	3.00	Officer Director	$900	$0	$900
TERRY WARFIELD	DIRECTOR - TREASURER	3.00	Officer Director	$900	$0	$900
PHYLLIS KING	DIRECTOR - SECRETARY	3.00	Officer Director	$0	$0	$0
PAUL KUNDERT	PRESIDENT & CEO	45.00	Officer	$1,040,522	$433,073	$1,473,595
BRAD MCCLAIN	EVP & CFO	45.00	Officer	$501,356	$62,086	$563,442
JONATHAN BUNDY	EVP & CLO AND ASST CORP SECRETARY	45.00	Officer	$352,646	$65,670	$418,316
ROB VAN NEVEL	EVP & COO	45.00	Key Emp	$526,193	$45,688	$571,881
RALPH BUELLING	EVP & CIO	45.00	Key Emp	$412,484	$68,025	$480,509
ANNE NORMAN	EVP & CMPSO	45.00	Key Emp	$342,817	$58,596	$401,413
PAM PETERSON	EVP & CPO	45.00	Key Emp	$326,935	$54,132	$381,067
TONY KONKOL	VP OF INFO TECHNOLOGY	45.00	Key Emp	$271,006	$60,511	$331,517
AMY KRIEBS	SVP MEMBER SALES AND SOLUTIONS	45.00	Key Emp	$258,831	$49,227	$308,058
TEO TRANDAFIR	VP OF WEALTH MANAGEMENT	45.00	Highest	$475,027	$69,766	$544,793
AARON LAWRY	WEALTH ADVISOR	40.00	Highest	$347,235	$21,376	$368,611
JEREMY MARSHALL	WEALTH ADVISOR	40.00	Highest	$326,093	$62,652	$388,745
KYLE JUDD	WEALTH ADVISOR	40.00	Highest	$317,607	$23,486	$341,093
JUSTIN NOVARA	WEALTH ADVISOR	40.00	Highest	$291,246	$36,338	$327,584
MICHAEL CARR	DIRECTOR	2.00	Director	$900	$0	$900
MICHAEL COLLINS	DIRECTOR	2.00	Director	$900	$0	$900
KIMILA DANIELS	DIRECTOR	2.00	Director	$900	$0	$900
LEANA NAKIELSKI MESDJIAN	DIRECTOR	2.00	Director	$0	$0	$0
JEFFREY RUSSELL	DIRECTOR	2.00	Director	$900	$0	$900

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	$363,773,520	$331,784,943	$5,653,143,610	$31,988,577
2023	$280,888,360	$253,257,113	$5,303,715,566	$27,631,247
2022	$206,656,356	$183,972,968	$5,145,209,271	$22,683,388
2021	$216,524,629	$150,376,951	$4,833,919,839	$66,147,678
2020	$217,681,978	$166,116,608	$4,205,781,575	$51,565,370
2019	$177,798,849	$135,243,598	$3,331,480,865	$42,555,251
2018	$150,872,115	$112,814,640	$2,819,644,184	$38,057,475

UNIVERSITY OF WISCONSIN CREDIT UNION