DEFENSE CREDIT UNION COUNCIL INC

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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

1981

Legal Domicile

Principal Officer

ANTHONY HERNANDEZ

Phone

2027345007

Tax Period

2024-01-01 to 2024-12-31

DEFENSE CREDIT UNION COUNCIL INC, founded in 1981, is a community nonprofit that reported $3.0M in total revenue in fiscal year 2024. Expenses of $3.7M exceeded revenue, resulting in a 21% operating deficit.

Mission

DCUC'S PRIMARY PURPOSE IS TO ASSIST MEMBER CREDIT UNIONS WHOSE FIELD OF MEMBERSHIP INCLUDES A SEGMENT OF MILITARY AND/OR CIVILIAN PERSONNEL OF THE U.S. DEFENSE ESTABLISHMENT.

Program Service Accomplishments

Program 1

ASSIST MEMBER CREDIT UNIONS IN: THE UNIQUE PROBLEMS OF A MOBILE MEMBERSHIP, THE PROBLEMS CREATED BY MAJOR PERSONNEL CHANGES, INSTALLATION MISSION CHANGES, INSTALLATION BASE CLOSURES AND REALIGNMENTS BOTH STATESIDE AND OVERSEAS, INTERCOMMUNICATION DEVELOPMENT, FINANCIAL READINESS REQUIREMENTS, AND SUPPORTING AND ASSISTING MEMBER CREDIT UNIONS IN FULFILLING THEIR ROLE ON DOD INSTALLATIONS, I.E. ENHANCING THE MORALE AND WELFARE OF MILITARY PERSONNEL.

Program 2

THE DEFENSE COUNCIL PROVIDES OTHER ACTIVITIES OR BENEFITS TO REPRESENTED CREDIT UNIONS WITH PARTICULAR EMPHASIS ON THE DEVELOPMENT AND COORDINATION OF UNIFORM DOD SUPPORT POLICIES, PROCEDURES...

THE DEFENSE COUNCIL PROVIDES OTHER ACTIVITIES OR BENEFITS TO REPRESENTED CREDIT UNIONS WITH PARTICULAR EMPHASIS ON THE DEVELOPMENT AND COORDINATION OF UNIFORM DOD SUPPORT POLICIES, PROCEDURES, DIRECTIVES, INSTRUCTIONS, AND REGULATIONS AS THEY PERTAIN TO MEMBER CREDIT UNIONS' OPERATIONS, FACILITIES AND SERVICES ON DEPARTMENT OF DEFENSE INSTALLATIONS WORLDWIDE.

Program 3

THE DEFENSE COUNCIL PROVIDES LIAISON WITH THE DEPARTMENT OF DEFENSE AND THE NATIONAL CREDIT UNION ADMINISTRATION ON PROBLEMS UNIQUE TO DEFENSE CREDIT UNIONS. THE DEFENSE COUNCIL ALSO PROVIDES LIAISON TO OTHER FEDERAL AGENCIES, SUCH AS FINANCIAL MANAGEMENT SERVICES, U.S. TREASURY AND OTHER NON-PROFIT ORGANIZATIONS SUCH AS THE MILITARY CHILD EDUCATION COALITION AND MILITARY SPOUSE ADVOCACY NETWORK. ADDITIONALLY, THE COUNCIL LIAISONS WITH THE CREDIT UNION NATIONAL ASSOCIATION, NATIONAL ASSOCIATION OF FEDERAL CREDIT UNIONS AND OTHER CREDIT UNION ORGANIZATIONS.

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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 $1,379,361

Investment Income $159,653

Other Revenue $1,487,912

TOTAL REVENUE $3,026,926

Expense Breakdown

Grants Paid $94,658

Salaries & Benefits $1,431,193

Fundraising Expenses $0

Other Expenses $2,136,154

TOTAL EXPENSES $3,662,005

Year-over-Year Comparison

	2024	2023	Change
Revenue	$3,026,926	$3,011,777	+0.0%
Expenses	$3,662,005	$3,519,341	+0.0%
Net Income	$-635,079	$-507,564	+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

$672,152

Total Directors

Key Employees

$225,780

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JACK FALLIS	CHAIR	4.60	Officer Director	$0	$0	$0
MAGGIE SAYER	1ST VICE CHAIR	3.30	Officer Director	$0	$0	$0
FRANK PADAK	2ND VICE CHAIR	2.20	Officer Director	$0	$0	$0
RON AOKI	TREASURER	3.30	Officer Director	$0	$0	$0
JIM HAYES	SECRETARY	1.60	Officer Director	$0	$0	$0
RYAN ROSS	SECRETARY (THROUGH SEPT)	1.80	Officer Director	$0	$0	$0
ROBIN LARSEN	DIRECTOR	2.20	Director	$0	$0	$0
DAVID ARAUJO	DIRECTOR	0.10	Director	$0	$0	$0
BILL BIRNIE	DIRECTOR (THROUGH MARCH)	0.50	Director	$0	$0	$0
ANTHONY HERNANDEZ	CEO/PRESIDENT	40.00	Officer	$448,853	$45,314	$494,167
ELIZABETH MERLO	VICE PRESIDENT	40.00	Officer	$163,105	$14,880	$177,985
JASON STVERAK	CHIEF ADVOCACY OFFICER	40.00	Key Emp	$210,155	$15,625	$225,780
SUZANNE LOW	DIR. OF CONFERENCES AND EVENTS	40.00	Highest	$104,563	$22,259	$126,822

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	$3,026,926	$3,662,005	$9,333,017	$-635,079
2023	$3,011,777	$3,519,341	$9,392,673	$-507,564
2022	$2,757,338	$2,769,562	$9,557,028	$-12,224
2021	$3,266,018	$2,496,074	$9,962,978	$769,944
2020	$2,377,885	$1,862,927	$9,507,273	$514,958
2019	$2,947,422	$2,489,203	$8,577,136	$458,219
2018	$2,529,916	$2,333,512	$7,567,204	$196,404