CREDIT UNION TRUST (EIN 466746110) - 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

2013

Legal Domicile

Principal Officer

LORI ELTZROTH

Phone

3175945300

Tax Period

2023-01-01 to 2023-12-31

CREDIT UNION TRUST, founded in 2013, is a mid-sized nonprofit in the Mutual Benefit sector that reported $50.9M in total revenue in fiscal year 2023.

Mission

SELF-FUNDED MULTIPLE EMPLOYER WELFARE ARRANGEMENT (MEWA) FOR INDIANA CREDIT UNIONS WITH EXPANSION TO KENTUCKY CREDIT UNIONS APPROVED.

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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 $49,648,049

Investment Income $1,288,340

Other Revenue $411

TOTAL REVENUE $50,936,800

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $6,782,613

TOTAL EXPENSES $52,042,543

Year-over-Year Comparison

	2023	2022	Change
Revenue	$50,936,800	$49,190,963	+0.0%
Expenses	$52,042,543	$44,763,724	+0.2%
Net Income	$-1,105,743	$4,427,239	-1.2%

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

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
LORI ELTZROTH	PRESIDENT	1.00	Officer Director	$0	$0	$0
PAUL OBERMEYER	VICE PRESIDENT	1.00	Officer Director	$0	$0	$0
BRETT RINKER	SECRETARY/TREASURER	1.00	Officer Director	$0	$0	$0
STEPHANIE BAGGETT	TRUSTEE	1.00	Director	$0	$0	$0
BECKY ANTHONY	TRUSTEE	1.00	Director	$0	$0	$0
KATHERINE BEAUCHAMP	TRUSTEE	1.00	Director	$0	$0	$0
JOHN NEWETT	TRUSTEE	1.00	Director	$0	$0	$0
DAVE SHUEY	TRUSTEE	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
2024	No data	No data	No data	No data
2023	$50,936,800	$52,042,543	$31,035,031	$-1,105,743
2022	$49,190,963	$44,763,724	$30,658,690	$4,427,239
2021	$46,464,882	$41,383,539	$27,252,479	$5,081,343
2020	$41,227,994	$45,223,127	$23,026,589	$-3,995,133
2018	$30,495,871	$28,287,494	$16,128,572	$2,208,377

CREDIT UNION TRUST