CAPITOL VIEW CREDIT UNION (EIN 420742483) - 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

1944

Legal Domicile

Principal Officer

BENJAMIN SHERIDAN

Phone

5153488350

Tax Period

2025-01-01 to 2025-12-31

CAPITOL VIEW CREDIT UNION, founded in 1944, is a community nonprofit that reported $2.8M in total revenue in fiscal year 2025. The organization ran a surplus of $475K, a strong 17% operating margin.

Mission

CAPITOL VIEW CREDIT UNION PROVIDES FINANCIAL SERVICES TO IT'S MEMBERS AT FAIR AND REASONABLE RATES AND TERMS WITH A SMALL TOWN TOUCH.

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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 $1,742,795

Investment Income $750,649

Other Revenue $338,914

TOTAL REVENUE $2,832,358

Expense Breakdown

Grants Paid $0

Salaries & Benefits $594,598

Fundraising Expenses $0

Program Expenses $2,357,570

Other Expenses $1,762,972

TOTAL EXPENSES $2,357,570

Year-over-Year Comparison

	2025	2024	Change
Revenue	$2,832,358	$2,803,490	+0.0%
Expenses	$2,357,570	$2,101,907	+0.1%
Net Income	$474,788	$701,583	-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

Volunteers

N/A

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

$132,409

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JUSTIN WILLER	CHAIRMAN	0.50	Officer Director	$0	$0	$0
MATTHEW MCCORMICK	CFO OF BOARD	0.50	Officer Director	$0	$0	$0
TARA GANPAT-PUFFETT	VICE CHAIR	0.50	Officer Director	$0	$0	$0
TARA WASHINGTON	SECRETARY	0.50	Officer Director	$0	$0	$0
MATTHEW SCHEETZ	BOARD MEMBER	0.50	Director	$0	$0	$0
ALISON RADL	BOARD MEMBER	0.50	Director	$0	$0	$0
KATHY FARNSWORTH-CUBIT	BOARD MEMBER	0.50	Director	$0	$0	$0
STEVE LARSON	BOARD MEMBER	0.50	Director	$0	$0	$0
LARRY FABER	BOARD MEMBER	0.50	Director	$0	$0	$0
BENJAMIN SHERIDAN	CEO	45.00	Officer	$120,460	$11,949	$132,409

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	$2,832,358	$2,357,570	$45,994,115	$474,788
2024	$2,803,490	$2,101,907	$44,427,110	$701,583
2023	$2,472,033	$1,804,224	$43,563,121	$667,809
2022	$1,762,812	$1,404,184	$44,234,182	$358,628
2021	$1,374,765	$1,235,466	$44,112,929	$139,299
2020	$1,627,983	$1,502,444	$40,888,200	$125,539
2019	$1,837,313	$1,612,984	$36,051,724	$224,329
2018	$1,695,693	$1,458,019	$36,418,530	$237,674

CAPITOL VIEW CREDIT UNION