NATIONAL CREDIT UNION FOUNDATION (EIN 391383650) - 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

1980

Legal Domicile

Principal Officer

LAUREN E CULP

Phone

6082315771

Tax Period

2024-01-01 to 2024-12-31

NATIONAL CREDIT UNION FOUNDATION, founded in 1980, is a community nonprofit that reported $5.7M in total revenue in fiscal year 2024. Revenue decreased 7% compared to the prior year. Net assets of $13.3M represent 28 months of operating reserves.

Mission

A CATALYST TO IMPROVE PEOPLE'S FINANCIAL LIVES THROUGH CREDIT UNIONS.

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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 $4,102,689

Program Service Revenue $995,726

Investment Income $828,237

Other Revenue $-191,585

TOTAL REVENUE $5,735,067

Expense Breakdown

Grants Paid $1,539,517

Salaries & Benefits $2,836,613

Fundraising Expenses $583,892

Program Expenses $4,031,426

Other Expenses $1,904,222

TOTAL EXPENSES $6,280,352

Year-over-Year Comparison

	2024	2023	Change
Revenue	$5,735,067	$6,177,944	-0.1%
Expenses	$6,280,352	$4,626,975	+0.4%
Net Income	$-545,285	$1,550,969	-1.4%

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

$875,348

Total Directors

Key Employees

$477,265

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JOHN SACKETT	CHAIR	1.00	Officer Director	$0	$0	$0
TERESA CAMPBELL	IMMEDIATE PAST CHAIR	1.00	Director	$0	$0	$0
JENNY VIPPERMAN	VICE CHAIR	1.00	Officer Director	$0	$0	$0
ROBERT CASHMAN	TREASURER	1.00	Officer Director	$0	$0	$0
CHRISTINE CORDELL	SECRETARY	1.00	Officer Director	$0	$0	$0
CARMA PARRISH	DIRECTOR	1.00	Director	$0	$0	$0
CREIGHTON BLACKWELL	DIRECTOR	1.00	Director	$0	$0	$0
DAVID BIRKY	DIRECTOR	1.00	Director	$0	$0	$0
DAVID SWEITZER	DIRECTOR	1.00	Director	$0	$0	$0
DEAN YOUNG	DIRECTOR	1.00	Director	$0	$0	$0
DEBBIE SMITH	DIRECTOR	1.00	Director	$0	$0	$0
ENRIQUE DELGADILLO	DIRECTOR (TERM 12/2024)	1.00	Director	$0	$0	$0
GREG GALLANT	DIRECTOR (STARTED 05/2024)	1.00	Director	$0	$0	$0
JUAN FERNANDEZ	DIRECTOR	1.00	Director	$0	$0	$0
MELANIE KENNEDY	DIRECTOR (STARTED 03/2024)	1.00	Director	$0	$0	$0
MELANIE MURPHY	DIRECTOR	1.00	Director	$0	$0	$0
NADER MOGHADDAM	DIRECTOR	1.00	Director	$0	$0	$0
CHRISTIANE G HYLAND	EXECUTIVE DIRECTOR (TERM 12/2024)	40.00	Officer	$522,346	$20,420	$542,766
ANDRE T PARRAWAY	CHIEF FINANCIAL & OPERATION	40.00	Officer	$298,026	$9,474	$307,500
LAUREN E CULP	EXECUTIVE DIRECTOR (AS OF 12/2024)	40.00	Officer	$22,173	$2,909	$25,082
JIM NUSSLE	PRESIDENT	1.00	Officer	$0	$0	$0
DANIELLE BROWN	CHIEF ENGAGEMENT DIRECTOR	40.00	Key Emp	$228,688	$23,815	$252,503
TOBI WEINGART	CHIEF PROGRAMS OFFICER	40.00	Key Emp	$189,941	$34,821	$224,762
JENNI SPETH	DIRECTOR, ENGAGEMENT	40.00	Highest	$111,278	$24,451	$135,729
TRACI O'NEILL	EXECUTIVE ASSISTANT	40.00	Highest	$111,366	$7,996	$119,362

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
2025	No data	No data	No data	No data
2024	$5,735,067	$6,280,352	$14,965,069	$-545,285
2023	$6,177,944	$4,626,975	$15,288,100	$1,550,969
2022	$6,469,151	$4,383,719	$12,602,640	$2,085,432
2021	$5,821,947	$3,459,007	$11,658,239	$2,362,940
2020	$4,513,339	$3,899,142	$10,125,664	$614,197
2019	$4,274,092	$3,542,568	$9,506,674	$731,524
2018	$5,240,623	$4,531,424	$7,941,591	$709,199

NATIONAL CREDIT UNION FOUNDATION