CENT CREDIT UNION (EIN 420923713) - 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

1965

Legal Domicile

Principal Officer

MATTHEW CHIZEK

Phone

6414242368

Tax Period

2024-01-01 to 2024-12-31

CENT CREDIT UNION, founded in 1965, is a community nonprofit that reported $9.1M in total revenue in fiscal year 2024. Revenue grew 20% year-over-year, indicating healthy expansion. Expenses of $7.9M left a modest 14% surplus.

Mission

CENT CREDIT UNION OPERATES FOR THE PRIMARY PURPOSE OF PROMOTING THRIFT, PROVIDING CREDIT AT REASONABLE RATES, AND PROVIDING OTHER FINANCIAL SERVICES TO ITS 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 (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $7,516,618

Investment Income $1,619,956

Other Revenue $0

TOTAL REVENUE $9,136,574

Expense Breakdown

Grants Paid $0

Salaries & Benefits $2,685,427

Fundraising Expenses $0

Other Expenses $5,201,147

TOTAL EXPENSES $7,886,574

Year-over-Year Comparison

	2024	2023	Change
Revenue	$9,136,574	$7,633,061	+0.2%
Expenses	$7,886,574	$6,333,061	+0.2%
Net Income	$1,250,000	$1,300,000	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

Total Directors

Key Employees

$262,099

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MATTHEW CHIZEK	CEO	50.00	Key Emp	$248,496	$13,603	$262,099
TRACI MUHLENBRUCH	COO	50.00	Highest	$167,414	$8,736	$176,150
RYAN FRANCIS	CFO	50.00	Highest	$146,195	$5,250	$151,445
WILLIAM BASLER	BOARD MEMBER	4.00	Director	$0	$0	$0
JOLYNN GOODCHILD	BOARD MEMBER	1.00	Director	$0	$0	$0
DAN VAN HORN	BOARD MEMBER	1.00	Director	$0	$0	$0
LIZ LOVEN	BOARD MEMBER	1.00	Director	$0	$0	$0
BILL OROZCO	BOARD MEMBER	2.00	Director	$0	$0	$0
RICK SUDTELGTE	BOARD MEMBER	1.00	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
2025	No data	No data	No data	No data
2024	$9,136,574	$7,886,574	$168,096,833	$1,250,000
2023	$7,633,061	$6,333,061	$151,655,245	$1,300,000
2022	$3,739,508	$3,165,364	$73,206,978	$574,144
2021	$3,482,866	$2,977,448	$71,687,831	$505,418
2020	$3,394,785	$2,998,894	$65,253,827	$395,891
2019	$3,125,032	$2,981,639	$56,693,695	$143,393
2018	$2,938,902	$2,931,202	$51,054,112	$7,700

CENT CREDIT UNION