ASSOCIATION OF CREDIT UNION AUDIT AND RISK PROFESSIONALS (EIN 391666875) - Form 990 Financial Analysis & Trantor Score

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Tuckman-Chang Vulnerability Assessment

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

1990

Legal Domicile

Principal Officer

JULIE WILSON

Phone

7036882284

Tax Period

2025-01-01 to 2025-12-31

ASSOCIATION OF CREDIT UNION INTERNAL AUDITORS, founded in 1990, is a small nonprofit that reported $582K in total revenue in fiscal year 2018. Expenses of $558K left a modest 4% surplus.

Mission

THE ASSOCIATION OF CREDIT UNION AUDIT AND RISK PROFESSIONALS (ACUARP) IS A PROFESSIONAL ORGANIZATION DEDICATED TO THE PRACTICE OF INTERNAL AUDITING AND RISK MANAGEMENT IN CREDIT UNIONS. ACUARP IS COMMITTED TO BEING THE PREMIER AND QUALITY PROVIDER OF EDUCATION AND RESOURCES TO CREDIT UNION INTERNAL AUDITORS, RISK MANAGERS, COMPLIANCE OFFICERS AND AUDIT/SUPERVISORY COMMITTEE MEMBERS.

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Trantor Score

Financial Health & Payment Capacity Assessment (FICO Scale: 300–850)

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

Financial Overview (2025)

Revenue Breakdown

Contributions & Grants $153,800

Program Service Revenue $461,435

Investment Income $19,778

Other Revenue $48,900

TOTAL REVENUE $683,913

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $677,549

TOTAL EXPENSES $677,549

Year-over-Year Comparison

	2025	2024	Change
Revenue	$683,913	$720,217	-0.1%
Expenses	$677,549	$836,602	-0.2%
Net Income	$6,364	$-116,385	-1.1%

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

N/A

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JULIE WILSON	CHAIR	1.00	Director	$0	$0	$0
JOHN GALLAGHER	VICE CHAIR	1.00	Director	$0	$0	$0
ROB JOHNSON	TREASURER	1.00	Director	$0	$0	$0
NABILA SHEIKH	SECRETARY	1.00	Director	$0	$0	$0
TOM COSBY	DIRECTOR	1.00	Director	$0	$0	$0
SHELLEY ENGLEMAN	DIRECTOR	1.00	Director	$0	$0	$0
TABITHA ERNST-CHADWICK	DIRECTOR	1.00	Director	$0	$0	$0
TAMMY FARMER	DIRECTOR	1.00	Director	$0	$0	$0
STACI TAYLOR	DIRECTOR	1.00	Director	$0	$0	$0
CASSANDRA SANDSTROM	ASSOCIATE DIRECTOR	1.00	Director	$0	$0	$0
ILENE SOLIS	ASSOCIATE DIRECTOR	1.00	Director	$0	$0	$0

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	$683,913	$677,549	$584,231	$6,364
2024	$720,217	$836,602	$546,798	$-116,385
2023	$683,421	$741,602	$681,399	$-58,181
2022	$638,109	$578,962	$735,964	$59,147
2021	$519,176	$330,059	$666,471	$189,117
2020	$284,787	$268,397	$503,554	$16,390
2019	$645,115	$531,513	$511,716	$113,602
2019	$645,115	$566,513	$484,516	$78,602
2018	$581,605	$557,596	$388,322	$24,009

ASSOCIATION OF CREDIT UNION AUDIT AND RISK PROFESSIONALS