Dupaco Community Credit Union (EIN 420674206) - Form 990 Financial Analysis & Trantor Score

🔒

Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

Sign in with your work email to view Tuckman-Chang indicators

Financial Trends

Organization Details

Formation Year

1948

Legal Domicile

Principal Officer

Danielle Gratton

Phone

5635577600

Tax Period

2023-01-01 to 2023-12-31

Dupaco Community Credit Union, founded in 1948, is a major nonprofit that reported $186.5M in total revenue in fiscal year 2023. Revenue surged 26% from the prior year, signaling strong growth momentum. Expenses of $175.9M left a modest 6% surplus.

Mission

Member owned financial cooperative that offers a complete line of services. Dupacos vision is Brighter community for all, and our mission is Help members build a life worth loving.

🔒

Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

Sign in to view Trantor Score and financial metrics

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

Financial Overview (2023)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $163,605,809

Investment Income $22,091,232

Other Revenue $838,937

TOTAL REVENUE $186,535,978

Expense Breakdown

Grants Paid $528,312

Salaries & Benefits $57,060,666

Fundraising Expenses $0

Other Expenses $118,344,721

TOTAL EXPENSES $175,933,699

Year-over-Year Comparison

	2023	2022	Change
Revenue	$186,535,978	$147,562,356	+0.3%
Expenses	$175,933,699	$127,807,783	+0.4%
Net Income	$10,602,279	$19,754,573	-0.5%

Key Indicators

✓ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✗ Schedule B Required

🔒

Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

Sign in to view all financial metrics

Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

Governance

Voting Members

Independent Members

Employees

777

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

$1,145,572

Total Directors

$16,740

Key Employees

$433,190

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Joseph Hearn	President/CEO	050.00	Officer	$577,309	$86,299	$663,608
Danielle Gratton	Chief Financial Officer	050.00	Officer	$375,056	$103,273	$478,329
Matt Dodds	Chief Operating Officer	050.00	Key Emp	$349,254	$83,936	$433,190
Steve Ervolino	Chief Information Officer	050.00	Highest	$301,957	$77,467	$379,424
Lisa Bowers	Chief People Officer	050.00	Highest	$313,838	$52,777	$366,615
David Klavitter	Chief Marketing Officer	050.00	Highest	$272,344	$60,910	$333,254
Mark Hoaglin	SVP, Wealth Management Insurance	050.00	Highest	$283,087	$27,952	$311,039
Michael Schroeder	Financial Advisor	050.00	Highest	$263,888	$27,328	$291,216
Randy Skemp	Director	001.00	Director	$10,513	$0	$10,513
Renee Poppe	Director, Secretary	001.00	Officer Director	$2,002	$0	$2,002
Jeff Gonner	Director	001.00	Director	$1,524	$0	$1,524
Denise Dolan	Director	001.00	Director	$1,068	$0	$1,068
Andy Schroeder	Director, Treasurer	001.00	Officer Director	$847	$0	$847
Ron Meyers	Director, Chair	001.00	Officer Director	$786	$0	$786
J Stephan Chapman	Director	001.00	Director	$0	$0	$0
Bob Wethal	Director	001.00	Director	$0	$0	$0
Ellen Goodmann Miller	Director, Vice Chair	001.00	Officer 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
2024	No data	No data	No data	No data
2023	$186,535,978	$175,933,699	$3,266,174,995	$10,602,279
2022	$147,562,356	$127,807,783	$3,010,409,376	$19,754,573
2021	$141,667,905	$107,658,404	$2,697,668,812	$34,009,501
2020	$128,419,225	$100,986,194	$2,430,753,466	$27,433,031
2018	$101,689,571	$78,483,157	$1,696,414,367	$23,206,414

Dupaco Community Credit Union