COMMUNITYAMERICA 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

1940

Legal Domicile

Phone

9139057000

Tax Period

2024-01-01 to 2024-12-31

COMMUNITYAMERICA CREDIT UNION, founded in 1940, is a major nonprofit that reported $394.1M in total revenue in fiscal year 2024. Revenue surged 23% from the prior year, signaling strong growth momentum. Expenses of $373.0M left a modest 5% surplus.

Mission

COMMUNITYAMERICA CREDIT UNION'S PRIMARY PURPOSE IS TO PROMOTE THE FINANCIAL WELL BEING OF ITS CREDIT UNION MEMBERS THROUGH FINANCIAL SERVICES AND PRODUCTS.

Program Service Accomplishments

Program 1

COMMUNITYAMERICA CREDIT UNION PROVIDES FINANCIAL PRODUCTS AND SERVICES TO NEARLY 350,000 MEMBERS, INCLUDING MORE THAN $3.4 BILLION IN LOANS OUTSTANDING AT 12.31.24, MORE THAN 33,500 CONSUMER LOANS...

COMMUNITYAMERICA CREDIT UNION PROVIDES FINANCIAL PRODUCTS AND SERVICES TO NEARLY 350,000 MEMBERS, INCLUDING MORE THAN $3.4 BILLION IN LOANS OUTSTANDING AT 12.31.24, MORE THAN 33,500 CONSUMER LOANS GRANTED FY 2024, AND COMPETITIVE RATES OFFERED TO MEMBERS. THE CREDIT UNION HAD MORE THAN $4.3 BILLION IN DEPOSIT ACCOUNTS AT COMPETITIVE YIELDS AS OF DECEMBER 31, 2024.

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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 $373,909,460

Investment Income $20,178,326

Other Revenue $0

TOTAL REVENUE $394,087,786

Expense Breakdown

Grants Paid $1,061,100

Salaries & Benefits $100,877,311

Fundraising Expenses $0

Program Expenses $0

Other Expenses $271,058,868

TOTAL EXPENSES $372,997,279

Year-over-Year Comparison

	2024	2023	Change
Revenue	$394,087,786	$320,007,381	+0.2%
Expenses	$372,997,279	$298,793,395	+0.2%
Net Income	$21,090,507	$21,213,986	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

1205

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

$26,535,195

Total Directors

$8,028

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Alan Lowden	DIRECTOR	1.0	Director	$0	$0	$0
Alok Srivastava	DIRECTOR	1.0	Director	$0	$0	$0
Amy McAnarney	DIRECTOR	1.0	Director	$0	$0	$0
Bri Simoneau	DIRECTOR	1.0	Director	$0	$0	$0
Byron Clymer	DIRECTOR	1.0	Director	$0	$0	$0
Daniel J White	DIRECTOR	1.0	Director	$0	$0	$0
David Shepard	DIRECTOR	1.0	Director	$0	$0	$0
Harold Bentley	DIRECTOR	1.0	Director	$0	$0	$0
Joseph Williams	DIRECTOR	1.0	Director	$0	$0	$0
Joshua Johnson	DIRECTOR	1.0	Director	$0	$0	$0
Kerry Domke	DIRECTOR	1.0	Director	$0	$0	$0
Melanie Coleman	DIRECTOR	1.0	Director	$0	$8,028	$8,028
Richard Wetzel	DIRECTOR	1.0	Director	$0	$0	$0
Trent Skaggs	DIRECTOR	1.0	Director	$0	$0	$0
Alyssa N Akers	VP Risk & Business Administration	40.0	Officer	$248,254	$24,808	$273,062
Amy I Doll	SVP Accounting & Finance Services	40.0	Officer	$350,293	$49,298	$399,591
Amy R Grothaus	SVP Retail Banking	40.0	Officer	$155,043	$12,655	$167,698
Anita B Newton	Chief Innovation Officer	40.0	Officer	$551,124	$715,437	$1,266,561
Carrie L O'Connor	SVP Chief Lending Officer	40.0	Officer	$559,989	$51,246	$611,235
David D Heck	VP Consumer Lending	40.0	Officer	$348,412	$52,246	$400,658
Heath T Burch	VP Wealth Management	40.0	Officer	$660,114	$51,049	$711,163
Jace K Noteboom	VP Human Resources	40.0	Officer	$165,967	$17,388	$183,355
Jai B Shankar	VP Data, CRM & Integration	40.0	Officer	$314,775	$49,629	$364,404
John D James	VP Compliance	40.0	Officer	$172,261	$42,077	$214,338
Julia Schaller	Chief People Officer	40.0	Officer	$439,635	$34,930	$474,565
Justin R Steitz	President Copper Financial	40.0	Officer	$942,624	$47,440	$990,064
Karen S Mitchell	Vice President, Audit & Compliance	40.0	Officer	$220,060	$28,521	$248,581
Karl J Geisler	SVP Digital Strategy & Systems	40.0	Officer	$454,203	$50,783	$504,986
Kathleen M O'Neill	President St. Louis Market	40.0	Officer	$132,636	$7,402	$140,038
Linda K Boring	VP Member Operations	40.0	Officer	$585,084	$28,043	$613,127
Lisa R Ginter	Chief Executive Officer	40.0	Officer	$1,841,688	$5,161,646	$7,003,334
Michael H Garrett	VP Treasurer	40.0	Officer	$328,340	$54,087	$382,427
Michael P Haggerty	Chief Operating Officer/President CUSO	40.0	Officer	$913,535	$1,158,583	$2,072,118
Nicholas E Reitzler	VP Commercial Banking	40.0	Officer	$362,399	$47,463	$409,862
Ravi Perumparambil	Chief Information Officer	40.0	Officer	$1,159,970	$359,698	$1,519,668
Richard R Schier	Chief Member Officer	40.0	Officer	$884,739	$511,003	$1,395,742
Scott H Strickland	President Insurance Services	40.0	Officer	$205,798	$26,971	$232,769
Susan R Johnson	SVP Marketing	40.0	Officer	$361,985	$31,532	$393,517
Terry A Harlow	VP Enterprise Risk Management	40.0	Officer	$242,706	$48,412	$291,118
Timothy R Saracini	Chief Financial Officer	40.0	Officer	$3,000,860	$160,989	$3,161,849
Timothy S Huey Jr	SVP Retail Banking	40.0	Officer	$270,308	$25,551	$295,859
Walter W Pirnot	General Counsel	40.0	Officer	$377,845	$49,057	$426,902
Whitney A Bartelli	Chief Marketing & Strategy Officer	40.0	Officer	$618,394	$768,210	$1,386,604
Edwin L Rafferty	Senior Mortgage Consultant	40.0	Highest	$443,705	$51,753	$495,458
James P Alderman	Senior Mortgage Consultant	40.0	Highest	$817,631	$51,924	$869,555
Jason D Kepler	Senior Mortgage Consultant	40.0	Highest	$453,085	$58,159	$511,244
Jeffrey S Vineyard	Private Wealth Advisor	40.0	Highest	$657,419	$57,122	$714,541
Rance J Carlson	Private Wealth Advisor	40.0	Highest	$658,620	$51,578	$710,198

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	$394,087,786	$372,997,279	$5,046,888,532	$21,090,507
2023	$320,007,381	$298,793,395	$4,748,448,128	$21,213,986
2022	$219,877,972	$214,462,292	$4,688,271,234	$5,415,680
2021	$232,446,492	$189,316,115	$4,409,299,980	$43,130,377
2020	$228,065,502	$183,301,784	$3,789,961,964	$44,763,718
2019	$191,438,836	$166,184,713	$2,942,812,522	$25,254,123
2018	$162,177,412	$152,302,613	$2,673,158,341	$9,874,799