CAPITAL CREDIT UNION (EIN 450226724) - 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

1936

Legal Domicile

Phone

7012550042

Tax Period

2023-01-01 to 2023-12-31

CAPITAL CREDIT UNION, founded in 1936, is a mid-sized nonprofit that reported $41.2M in total revenue in fiscal year 2023. Revenue surged 25% from the prior year, signaling strong growth momentum. The organization ran a surplus of $8.3M, a strong 20% operating margin.

Mission

TO BE THE TRUSTED FINANCIAL RESOURCE THAT PUTS MEMBERS FIRST.

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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 $35,262,698

Investment Income $3,203,497

Other Revenue $2,687,644

TOTAL REVENUE $41,153,839

Expense Breakdown

Grants Paid $20,000

Salaries & Benefits $12,805,729

Fundraising Expenses $0

Program Expenses $32,857,288

Other Expenses $20,031,208

TOTAL EXPENSES $32,857,288

Year-over-Year Comparison

	2023	2022	Change
Revenue	$41,153,839	$32,810,003	+0.3%
Expenses	$32,857,288	$25,814,938	+0.3%
Net Income	$8,296,551	$6,995,065	+0.2%

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

199

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

$2,913,873

Total Directors

$13,262

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Vance Reinbold	Chief Executive Officer	45.00	Officer	$377,537	$34,601	$412,138
Jonathan Griffin	Chief Executive Officer	45.00	Officer	$335,523	$34,635	$370,158
Keith Mantz	Chief Retail Officer	45.00	Officer	$270,142	$28,217	$298,359
Bradley Shetler	Chief Lending Officer	45.00	Officer	$218,551	$38,292	$256,843
Kurt Schmidt	Chief Information Officer	45.00	Officer	$214,040	$16,303	$230,343
Ryan Monson	Chief Financial Officer	45.00	Officer	$195,236	$24,391	$219,627
Scott Bullinger	Mortgage Loan Officer	45.00	Highest	$172,974	$40,435	$213,409
Sean Smith	Vice President of Legal Risk	45.00	Officer	$155,443	$12,229	$167,672
Douglas Lee	Market President-East Region	45.00	Officer	$154,111	$12,499	$166,610
Jillian Lagasse	Chief Marketing Experience Officer	45.00	Officer	$153,335	$38,043	$191,378
Patricia Olson	Vice President of Human Resources	45.00	Officer	$152,624	$32,968	$185,592
Dustin Bitz	Director of Financial Education	45.00	Highest	$149,841	$25,332	$175,173
Thomas Ternes	Market President-Central Region	45.00	Highest	$142,945	$29,563	$172,508
Chad Williams	Agricultural Vice President	45.00	Highest	$137,698	$33,892	$171,590
Nanette Fort	Mortgage Loan Underwriter	45.00	Highest	$125,630	$20,851	$146,481
Austin Kahler	Vice President of Credit	45.00	Officer	$117,509	$24,151	$141,660
Kyla Stampka	Vice President of Accounting	45.00	Officer	$115,260	$31,592	$146,852
Leanne Holzer	Vice President of Operations	45.00	Officer	$105,635	$21,006	$126,641
Marlina Walth	Board Member	4.00	Director	$3,728	$0	$3,728
Michael Gunsch	Board Member	4.00	Director	$2,769	$0	$2,769
Shawn Deisz	Board Member	4.00	Director	$2,604	$0	$2,604
Lance Gaebe	Board Member	4.00	Director	$2,561	$0	$2,561
Jay Buringrud	Board Member	4.00	Director	$550	$0	$550
Faye Miller	Board Member	4.00	Director	$550	$0	$550
Kevin Schoenborn	Board Member	4.00	Director	$500	$0	$500

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	$41,153,839	$32,857,288	$755,781,859	$8,296,551
2022	$32,810,003	$25,814,938	$724,151,270	$6,995,065
2021	$34,065,557	$25,479,369	$692,597,459	$8,586,188
2020	$33,075,672	$27,232,128	$626,074,840	$5,843,544
2019	$30,059,348	$22,385,548	$540,917,599	$7,673,800
2018	$26,005,105	$21,553,929	$486,634,517	$4,451,176

CAPITAL CREDIT UNION