ROGUE CREDIT UNION FOUNDATION INC (EIN 464522157) - 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

2014

Legal Domicile

Principal Officer

MATT STEPHENSON

Phone

5418587536

Tax Period

2023-01-01 to 2023-12-31

ROGUE CREDIT UNION FOUNDATION INC, founded in 2014, is a small nonprofit that reported $258K in total revenue in fiscal year 2023. Revenue fell 31% from the prior year — a significant decline worth monitoring.

Mission

ENGAGE IN CHARITABLE AND EDUCATIONAL ACTIVITIES TO BENEFIT MEMBERS OF ROGUE CREDIT UNION AND THE COMMUNITIES IT SERVES.

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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 $257,726

Program Service Revenue $0

Investment Income $0

Other Revenue $0

TOTAL REVENUE $257,726

Expense Breakdown

Grants Paid $251,238

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $252,082

Other Expenses $6,774

TOTAL EXPENSES $258,012

Year-over-Year Comparison

	2023	2022	Change
Revenue	$257,726	$370,862	-0.3%
Expenses	$258,012	$327,251	-0.2%
Net Income	$-286	$43,611	-1.0%

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

N/A

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

$1,358,323

Total Directors

$2,006,174

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MATT STEPHENSON	BOARD CHAIR	1.00	Officer Director	$0	$316,257	$1,337,002
JEANNE PICKENS	DIRECTOR	1.00	Director	$0	$145,743	$517,391
TOM ERSEPKE	DEVELOPMENT DIRECTOR	1.00	Director	$0	$0	$109,460
HEATHER JOHNSON	DIRECTOR	1.00	Director	$0	$0	$21,000
KATIE HUTCHINSON	VICE CHAIR	1.00	Officer Director	$0	$0	$19,571
JERRY HAUCK	RETIRED VICE CHAIR	1.00	Officer Director	$0	$0	$1,750
GENE PELHAM	FORMER BOARD CHAIR	1.00		$0	$22,400	$1,381,064

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	$257,726	$258,012	$173,809	$-286
2022	$370,862	$327,251	$174,095	$43,611
2021	$64,652	$57,011	$130,485	$7,641

ROGUE CREDIT UNION FOUNDATION INC