DUTRAC COMMUNITY CREDIT UNION (EIN 420670685) - 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

1942

Legal Domicile

Principal Officer

ANDREW A HAWKINSON

Phone

5635821331

Tax Period

2023-01-01 to 2023-12-31

DUTRAC COMMUNITY CREDIT UNION, founded in 1942, is a mid-sized nonprofit in the Public & Societal Benefit sector that reported $53.1M in total revenue in fiscal year 2023. Revenue surged 33% from the prior year, signaling strong growth momentum. Expenses of $48.4M left a modest 9% surplus.

Mission

Promoting thrift among Credit Union members

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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 $48,331,709

Investment Income $4,343,515

Other Revenue $460,216

TOTAL REVENUE $53,135,440

Expense Breakdown

Grants Paid $0

Salaries & Benefits $13,532,863

Fundraising Expenses $0

Program Expenses $48,362,997

Other Expenses $34,830,133

TOTAL EXPENSES $48,362,996

Year-over-Year Comparison

	2023	2022	Change
Revenue	$53,135,440	$40,004,352	+0.3%
Expenses	$48,362,996	$33,177,561	+0.5%
Net Income	$4,772,444	$6,826,791	-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

209

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

$1,811,168

Total Directors

$10,933

Key Employees

$287,984

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ANDREW A HAWKINSON	PRESIDENTCEO	45.00	Officer	$560,419	$0	$560,419
RONALD J KINSELLA	SENIOR VP LENDING	45.00	Officer	$191,475	$0	$191,475
LEE M HOERNER	SVP MEMBER SERVICE	45.00	Officer	$181,760	$0	$181,760
MEGAN E KELLEHER-EGAN	SVP HUMAN RESOURCES	45.00	Officer	$149,727	$0	$149,727
JASON A NORTON	SVP MARKETING	45.00	Officer	$200,638	$0	$200,638
ANDREW K LASSEN	SENIOR VP IT	45.00	Officer	$195,068	$0	$195,068
KIM M ADAMS	SENIOR VP OPERATIONS	45.00	Officer	$132,636	$0	$132,636
MICHELLE A ARISS	SENIOR VP FINANCE	45.00	Officer	$199,445	$0	$199,445
KEVIN R MUELLER	TREASURER	2.000	Director	$1,174	$0	$1,174
DANIEL J DEUTMEYER	SECRETARY	2.000	Director	$4,277	$0	$4,277
DAVID W EGGERS	DIRECTOR	2.000	Director	$0	$0	$0
CRENNA M BRUMWELL	DIRECTOR	2.000	Director	$0	$0	$0
CHAD M KRUSE	VICECHAIRPERSON	2.000	Director	$1,168	$0	$1,168
SCOTT J NEYENS	DIRECTOR	2.000	Director	$0	$0	$0
HARLEN T PEDRETTI	DIRECTOR	N/A	Director	$0	$0	$0
NICHOLAS J SPECHT	CHAIRPERSON	4.000	Director	$0	$0	$0
JOHN P VAIL	DIRECTOR	2.000	Director	$4,314	$0	$4,314
MICHAEL T READY	DIRECTOR	2.000	Director	$0	$0	$0
DENNIS NARANJO	COMMERCIAL LENDER	45.00	Highest	$126,335	$0	$126,335
TRAVIS PHELAN	COMMERCIAL LENDER	45.00	Highest	$125,720	$0	$125,720
JULIE SOUCINEK	MORTGAGE LOAN MANAGER	45.00	Key Emp	$143,130	$0	$143,130
JASON R BAUER	REGIONAL MANAGER SOUTH	45.00	Highest	$103,070	$0	$103,070
JEFF A KOELKER	IT SECURITYNETWORK MG	45.00	Highest	$101,680	$0	$101,680
DEBRA A REIFF	CONTROLLER	45.00	Highest	$105,791	$0	$105,791
JEFFREY WALLER	COMMERCIAL LENDING MGR	45.00	Key Emp	$144,854	$0	$144,854

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	No data	No data	No data	No data
2023	$53,135,440	$48,362,996	$1,073,070,686	$4,772,444
2022	$40,004,352	$33,177,561	$1,044,586,172	$6,826,791
2021	$36,287,980	$27,866,309	$980,523,751	$8,421,671
2020	$37,374,509	$31,245,514	$897,800,981	$6,128,995
2019	$42,352,968	$31,065,676	$755,987,525	$11,287,292
2018	$34,299,673	$26,507,102	$709,629,061	$7,792,571

DUTRAC COMMUNITY CREDIT UNION