DEFENSE CREDIT UNION COUNCIL INC (EIN 391405036) - 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

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

TO ASSIST MEMBER CREDIT UNIONS OPERATING ON DEPARTMENT OF DEFENSE (DOD) INSTALLATIONS, WHOSE FIELD OF MEMBERSHIP INCLUDES A SEGMENT OF MILITARY AND/OR CIVILIAN PERSONNEL OF THE U.S. DEFENSE ESTABLISHMENT.

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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

DEFENSE CREDIT UNION COUNCIL INC