CITY & COUNTY CREDIT UNION (EIN 410191495) - 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

1928

Legal Domicile

Principal Officer

PATRICK PIERCE

Phone

6512252700

Tax Period

2024-01-01 to 2024-12-31

CITY & COUNTY CREDIT UNION, founded in 1928, is a mid-sized nonprofit that reported $56.6M in total revenue in fiscal year 2024. Expenses of $53.3M left a modest 6% surplus.

Mission

TO PROVIDE AFFORDABLE FINANCIAL SERVICES

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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 $45,031,447

Investment Income $11,533,408

Other Revenue $16,500

TOTAL REVENUE $56,581,355

Expense Breakdown

Grants Paid $0

Salaries & Benefits $17,178,222

Fundraising Expenses $0

Other Expenses $25,180,743

TOTAL EXPENSES $53,345,942

Year-over-Year Comparison

	2024	2023	Change
Revenue	$56,581,355	$53,343,575	+0.1%
Expenses	$53,345,942	$46,368,969	+0.2%
Net Income	$3,235,413	$6,974,606	-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

N/A

Volunteers

N/A

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

$3,077,666

Total Directors

$15,007

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
LOU BRUNO	BOARD MEMBER	3.00	Director	$4,956	$0	$4,956
HEIDI WOLF	BOARD MEMBER	1.50	Director	$2,172	$0	$2,172
NICOLE BATES	BOARD MEMBER	1.00	Director	$1,902	$0	$1,902
HANS MOLENAAR	BOARD MEMBER	1.00	Director	$1,792	$0	$1,792
JOE MATTHEWS	BOARD MEMBER	1.00	Director	$1,540	$0	$1,540
AXEL HENRY	BOARD MEMBER	1.00	Director	$1,248	$0	$1,248
SHANNON CUNNINGHAM	BOARD MEMBER	0.50	Director	$709	$0	$709
CHAD KERLIN	BOARD MEMBER	0.50	Director	$688	$0	$688
PATRICK PIERCE	PRESIDENT/CEO	40.00	Officer	$693,580	$33,764	$727,344
ERIC MELLENTHIN	VP INFORMATION TECHNOLOGY	40.00	Officer	$484,065	$35,139	$519,204
THOMAS COULTER	EVP OPERATIONS	40.00	Officer	$289,015	$35,265	$324,280
DAVID OLSON	DIRECTOR OF IT & SECURITY	40.00	Officer	$280,296	$34,207	$314,503
MARC KILGORE	SVP PROJECT MGMT & IMPROVEMENT	40.00	Officer	$252,418	$26,832	$279,250
MELISSA SETTEM	VP ACCOUNTING & FINANCE	40.00	Officer	$189,492	$29,948	$219,440
DANIELLE KONRAD-ARTHUR	VP COMPLIANCE & RISK MGMT	40.00	Officer	$182,382	$19,992	$202,374
ROBIN DOWNING	VP HUMAN RESOURCES	40.00	Officer	$160,975	$9,189	$170,164
MARDELL LUTGEN	VP MEMBER EXPERIENCE	40.00	Officer	$145,248	$19,346	$164,594
BAILEY GERMAIN	VP BRAND & RETAIL EXPERIENCE	40.00	Officer	$131,049	$25,464	$156,513
KEITH YARBROUGH	CORE SYSTEMS ANALYST	40.00	Highest	$144,922	$17,662	$162,584
TIMOTHY TREMBLEY	DIRECTOR MORTGAGE SERVICES	40.00	Highest	$142,198	$19,997	$162,195
JOSEPH NEWMASTER	INFRASTRUCTURE MANAGER	40.00	Highest	$144,727	$14,903	$159,630
JENNY LYNCH	DIRECTOR ELECTRONIC SERVIC	40.00	Highest	$132,416	$27,047	$159,463
ANNE SMITH	BUSINESS SERVICES MANAGER	40.00	Highest	$120,538	$26,155	$146,693

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	$56,581,355	$53,345,942	$1,190,819,726	$3,235,413
2023	$53,343,575	$46,368,969	$1,234,462,832	$6,974,606
2022	$39,672,104	$34,314,006	$1,208,523,580	$5,358,098
2021	$41,175,696	$31,996,678	$1,170,197,946	$9,179,018
2020	$45,371,383	$36,938,691	$1,064,843,599	$8,432,692
2019	$41,803,888	$37,149,333	$893,591,689	$4,654,555
2018	$24,617,905	$21,416,661	$548,804,427	$3,201,244

CITY & COUNTY CREDIT UNION