CREDIT UNION TRUST

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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

2025-01-01 to 2025-12-31

CREDIT UNION TRUST, founded in 2013, is a mid-sized nonprofit in the Mutual Benefit sector that reported $50.4M in total revenue in fiscal year 2025. Revenue decreased 6% compared to the prior year. Expenses of $48.1M left a modest 5% surplus.

Mission

THE TRUST IS A "MULTIPLE EMPLOYER WELFARE ARRANGEMENT" AS DEFINED IN SECTION 3(40) OF ERISA. ITS MISSION IS TO ENABLE ELIGIBLE EMPLOYERS TO PROVIDE OR MAKE AVAILABLE WELFARE BENEFIT COVERAGES TO THEIR ELIGIBLE EMPLOYEES AND SUCH EMPLOYEES' ELIGIBLE DEPENDENTS.

Program Service Accomplishments

Program 1

THE SOLE PURPOSE AND ACTIVITY OF THE TRUST IS TO PROVIDE HEALTH AND WELFARE RELATED BENEFITS TO ELIGIBLE PARTICIPANTS OF THE CREDIT UNION CONSORTIUM HEALTH PLAN.

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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 (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $49,113,325

Investment Income $1,280,587

Other Revenue $0

TOTAL REVENUE $50,393,912

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $6,456,477

TOTAL EXPENSES $48,107,476

Year-over-Year Comparison

	2025	2024	Change
Revenue	$50,393,912	$53,385,640	-0.1%
Expenses	$48,107,476	$52,652,186	-0.1%
Net Income	$2,286,436	$733,454	+2.1%

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	PAST VICE PRESIDENT	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
JOHN NEWETT	TRUSTEE	1.00	Director	$0	$0	$0
DAVE SHUEY	TRUSTEE	1.00	Director	$0	$0	$0
AMY BENNER	SECRETARY/TREASURER	1.00	Officer Director	$0	$0	$0
ANDY BURGGRAF	TRUSTEE	1.00	Director	$0	$0	$0
MARISSA LYNCH	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
2025	$50,393,912	$48,107,476	$34,444,988	$2,286,436
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