TELCO TRIAD COMMUNITY CREDIT UNION

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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

1945

Legal Domicile

Principal Officer

ANDREW BARRIGER

Phone

7122524368

Tax Period

2023-01-01 to 2023-12-31

TELCO TRIAD COMMUNITY CREDIT UNION, founded in 1945, is a community nonprofit that reported $7.4M in total revenue in fiscal year 2023. Revenue surged 29% from the prior year, signaling strong growth momentum. Expenses of $6.3M left a modest 14% surplus.

Mission

TO ENCOURAGE HABITS OF THRIFT THROUGH EDUCATION AND PROVIDE FINANCIAL OPPORTUNITIES WITH GROWTH AND STABILITY.

Program Service Accomplishments

Program 1

Expenses: $6,324,013

TO CREATE A SOURCE OF CREDIT AT A FAIR AND REASONABLE RATE OF INTEREST, ENCOURAGE HABITS OF THRIFT AMONG MEMBERS, AND PROVIDE THE OPPORTUNITY FOR MEMBERS TO USE AND CONTROL THEIR SAVINGS FOR THEIR...

TO CREATE A SOURCE OF CREDIT AT A FAIR AND REASONABLE RATE OF INTEREST, ENCOURAGE HABITS OF THRIFT AMONG MEMBERS, AND PROVIDE THE OPPORTUNITY FOR MEMBERS TO USE AND CONTROL THEIR SAVINGS FOR THEIR MUTUAL BENEFIT.

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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 $7,078,947

Investment Income $283,077

Other Revenue $0

TOTAL REVENUE $7,362,024

Expense Breakdown

Grants Paid $0

Salaries & Benefits $2,675,592

Fundraising Expenses $0

Program Expenses $6,324,013

Other Expenses $3,648,421

TOTAL EXPENSES $6,324,013

Year-over-Year Comparison

	2023	2022	Change
Revenue	$7,362,024	$5,708,993	+0.3%
Expenses	$6,324,013	$4,717,608	+0.3%
Net Income	$1,038,011	$991,385	+0.0%

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

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

$187,770

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ALLAN BROWN	TREASURER	1.00	Officer Director	$0	$0	$0
TERRY BLOM	DIRECTOR	1.00	Director	$0	$0	$0
BRAD BERGSTROM	DIRECTOR	1.00	Director	$0	$0	$0
DAVID ERICKSON	DIRECTOR	1.00	Director	$0	$0	$0
LONNIE BERMEL	SECRETARY	1.00	Officer Director	$0	$0	$0
JOHN GUNIA	VICE CHAIR	1.00	Officer Director	$0	$0	$0
FITZGERALD GRANT	DIRECTOR	1.00	Director	$0	$0	$0
ROBIN MILLER	CHAIRPERSON	1.00	Officer Director	$0	$0	$0
TREYLA LEE	DIRECTOR	1.00	Director	$0	$0	$0
SCOTT RHINEHART	DIRECTOR (PART YEAR)	1.00	Director	$0	$0	$0
ANDREW BARRIGER	CEO	40.00	Officer	$185,055	$2,715	$187,770

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	$7,362,024	$6,324,013	$145,286,252	$1,038,011
2022	$5,708,993	$4,717,608	$134,827,395	$991,385
2021	$5,054,733	$4,354,415	$119,200,882	$700,318
2020	$4,797,301	$4,587,197	$110,466,284	$210,104
2019	$5,015,756	$4,370,917	$96,790,428	$644,839
2018	$4,552,686	$4,201,721	$91,482,049	$350,965