CORDA CREDIT UNION (EIN 420173285) - 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

1935

Legal Domicile

Phone

3193780101

Tax Period

2025-01-01 to 2025-12-31

CORDA CREDIT UNION, founded in 1935, is a mid-sized nonprofit that reported $47.7M in total revenue in fiscal year 2025.

Mission

STATE CHARTERED CREDIT UNION

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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 (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $45,253,700

Investment Income $2,447,616

Other Revenue $0

TOTAL REVENUE $47,701,316

Expense Breakdown

Grants Paid $0

Salaries & Benefits $10,600,497

Fundraising Expenses $0

Other Expenses $37,589,207

TOTAL EXPENSES $48,189,704

Year-over-Year Comparison

	2025	2024	Change
Revenue	$47,701,316	$44,235,466	+0.1%
Expenses	$48,189,704	$39,085,241	+0.2%
Net Income	$-488,388	$5,150,225	-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

147

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
PAULA O'ROURKE	PRESIDENT/CEO	40.00		$651,575	$57,231	$708,806
JEREMY RIYNOLDS	CFO	40.00		$299,399	$24,253	$323,652
DANIEL LIMBERT	CHIEF RISK OFFICER	40.00		$262,439	$37,130	$299,569
MATTHEW BAILEY	CHIEF RISK OFFICER	40.00		$228,462	$45,220	$273,682
DEBRA SALZ-STEENBLOCK	CHIEF TALENT OFFICER	40.00		$203,539	$31,477	$235,016
BLAKE RODEMEYER	DIR OF IT	40.00		$136,948	$27,152	$164,100
TIM LARSON	DIR OF MORTGAGE	40.00		$134,735	$28,469	$163,204
KYLE MURPHY	DIR OF COM LEND	40.00		$116,489	$36,397	$152,886
JOHN HAGEMANN	DIR OF LOAN UND	40.00		$114,736	$19,686	$134,422
KADEE MEAD	DIR OF RETAIL	40.00		$123,458	$5,865	$129,323
JOAN AUTERMAN	Director	1.00	Director	$0	$0	$0
HOLLY CORKERY	Director	1.00	Director	$0	$0	$0
MARGARET EICHORN	Director	1.00	Director	$0	$0	$0
JOYCE FOWLER	Director	1.00	Director	$0	$0	$0
MIKE GILLEN	Director	1.00	Director	$0	$0	$0
ANGELA GLICK-MARTIN	Director	1.00	Director	$0	$0	$0
RICHARD ORTEGA	Director	1.00	Director	$0	$0	$0
NICHOLAS WAGNER	Director	1.00	Director	$0	$0	$0
JERALYN WESTERCAMP	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	$47,701,316	$48,189,704	$726,146,859	$-488,388
2024	No data	No data	No data	No data
2023	$35,995,167	$29,314,801	$667,141,652	$6,680,366
2022	$28,754,492	$22,785,155	$621,025,958	$5,969,337
2021	$26,390,018	$20,048,004	$567,752,241	$6,342,014
2020	$25,508,049	$21,964,113	$518,253,494	$3,543,936
2019	$25,938,413	$22,702,203	$467,914,453	$3,236,210
2018	$24,046,025	$20,792,546	$476,017,537	$3,253,479

CORDA CREDIT UNION