COLLINS COMMUNITY CREDIT UNION (EIN 420190489) - 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

1940

Legal Domicile

Principal Officer

SANDRA VAUGHAN

Phone

3193939000

Tax Period

2023-01-01 to 2023-12-31

COLLINS COMMUNITY CREDIT UNION, founded in 1940, is a mid-sized nonprofit that reported $89.1M in total revenue in fiscal year 2023. Revenue grew 12% year-over-year, indicating healthy expansion.

Mission

OUR MISSION IS TO DEVOTE OURSELVES TO FINANCIAL SUCCESS FOR ALL.

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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 (2023)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $81,046,972

Investment Income $8,098,197

Other Revenue $0

TOTAL REVENUE $89,145,169

Expense Breakdown

Grants Paid $247,007

Salaries & Benefits $21,828,947

Fundraising Expenses $0

Other Expenses $67,024,246

TOTAL EXPENSES $89,100,200

Year-over-Year Comparison

	2023	2022	Change
Revenue	$89,145,169	$79,904,097	+0.1%
Expenses	$89,100,200	$75,056,199	+0.2%
Net Income	$44,969	$4,847,898	-1.0%

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

344

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

$1,091,567

Total Directors

Key Employees

$938,992

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ECHO BATSON	BOARD MEMBER	1.00	Director	$0	$0	$0
JON BUSE	VICE CHAIRPERSON	1.00	Officer Director	$0	$0	$0
KARL CASSELL	FINANCIAL OFFICER	1.00	Officer Director	$0	$0	$0
HEATHER FRIEDMAN	SECRETARY	1.00	Officer Director	$0	$0	$0
SUSAN NELSON	BOARD MEMBER	1.00	Director	$0	$0	$0
ALEJANDRO PINO	BOARD MEMBER	1.00	Director	$0	$0	$0
JEREMY PRICE	BOARD MEMBER	1.00	Director	$0	$0	$0
MARSHA SCHULTE	CHAIRPERSON	1.00	Officer Director	$0	$0	$0
RUE PATEL	BOARD MEMBER	1.00	Director	$0	$0	$0
STEFANIE RUPERT	FORMER PRESIDENT/CHIEF EXECUTIVE OFFICER	40.00	Officer	$455,208	$43,188	$498,396
BENJAMIN WICKUM	CHIEF FINANCIAL OFFICER	40.00	Officer	$272,475	$42,611	$315,086
SANDRA VAUGHN	INTERIM CHIEF EXECUTIVE OFFICER	40.00	Officer	$245,311	$32,774	$278,085
WILLIAM PARKINSON	PRESIDENT PREFUNDING CUSO	40.00	Key Emp	$267,937	$34,405	$302,342
JOHN LEWIS	VICE PRESIDENT IT/FACILITIES	40.00	Key Emp	$211,640	$38,280	$249,920
RANDY JOHNSON	SENIOR VP COMMERCIAL SERVICES	40.00	Key Emp	$269,043	$117,687	$386,730
CHAD KELLOG	VP COMMERICAL SERVICES	40.00	Highest	$231,298	$89,378	$320,676
ERICSON HILBUN	FORMER DIRECTOR WEALTH MANAGEMENT	40.00	Highest	$206,014	$40,214	$246,228
THOMAS AXVIG	MORTGAGE LOAN OFFICER	40.00	Highest	$197,261	$36,842	$234,103
JEFFREY HINES	VP COMMERICAL SERVICES	40.00	Highest	$203,286	$130,503	$333,789
MICHAEL FLETCHER	VP COMMERICAL SERVICES	40.00	Highest	$186,991	$99,964	$286,955

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	No data	No data	No data	No data
2023	$89,145,169	$89,100,200	$1,623,197,471	$44,969
2022	$79,904,097	$75,056,199	$1,651,469,232	$4,847,898
2021	$82,880,334	$73,817,938	$1,441,883,337	$9,062,396
2020	$78,603,953	$73,605,140	$1,327,686,585	$4,998,813
2019	$74,113,692	$73,182,564	$1,242,983,418	$931,128
2018	$64,097,417	$61,985,259	$1,316,535,556	$2,112,158

COLLINS COMMUNITY CREDIT UNION