Aurora Credit Union (EIN 390930190) - 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

1955

Legal Domicile

Principal Officer

Mary Gold

Tax Period

2018-01-01 to 2018-12-31

Aurora Credit Union, founded in 1955, is a community nonprofit that reported $2.9M in total revenue in fiscal year 2018. Revenue grew 10% year-over-year, indicating healthy expansion. Expenses of $2.6M left a modest 12% surplus.

Mission

State Chartered Credit Union - Please see Schedule O Statement 8 for detailed Mission Statement/Exempt Purpose

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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 (2018)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $2,865,845

Investment Income $25,454

Other Revenue $30,155

TOTAL REVENUE $2,921,454

Expense Breakdown

Grants Paid $0

Salaries & Benefits $950,947

Fundraising Expenses $0

Other Expenses $1,615,939

TOTAL EXPENSES $2,566,886

Year-over-Year Comparison

	2018	2017	Change
Revenue	$2,921,454	$2,664,897	+0.1%
Expenses	$2,566,886	$1,928,012	+0.3%
Net Income	$354,568	$736,885	-0.5%

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

$224,086

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Nancy Majewski	Chairperson	0.00	Officer Director	$0	$0	$0
Wendy Schafer	Director	0.00	Director	$0	$0	$0
Ellen Sheahan	Secretary	0.00	Officer Director	$0	$0	$0
Dennice Bonds	Director	0.00	Director	$0	$0	$0
Judith Mackessy	Secretary 11-412	0.00	Officer Director	$0	$0	$0
Mary Jo Capodice	Treasurer 11-215	0.00	Officer Director	$0	$0	$0
Kathryn Crumpton	Treasurer	0.00	Officer Director	$0	$0	$0
Timothy Heyse	Director	0.00	Officer Director	$0	$0	$0
Julie Okoro	Director	0.00	Director	$0	$0	$0
Mary Gold	President	40.00	Officer	$179,858	$44,228	$224,086

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
2018	$2,921,454	$2,566,886	No data	$354,568

Aurora Credit Union