CAMPUS 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

1952

Legal Domicile

Principal Officer

SHAWN RILEY

Phone

3168674700

Tax Period

2025-01-01 to 2025-12-31

CAMPUS CREDIT UNION, founded in 1952, is a community nonprofit that reported $3.0M in total revenue in fiscal year 2025. Revenue grew 20% year-over-year, indicating healthy expansion. Expenses of $2.8M left a modest 5% surplus.

Mission

TO PROVIDE HIGH QUALITY FINANCIAL SERVICES FOR OUR MEMBERS/OWNERS, ENHANCING THEIR FINANCIAL WELL-BEING WHILE MAINTAINING THE FINANCIAL STRENGTH OF THE CREDIT UNION.

Program Service Accomplishments

Program 1

PROVIDES FINANCIAL AND FINANCIALLY RELATES SERVICES TO 4,653 MEMBERS.

Program 2

PROVIDES A SOURCE OF CREDIT TO MEMBERS AT A FAIR AND REASONABLE RATE OF INTEREST. AS OF DECEMBER 31, 2025, THERE WERE 1,610 LOANS OUTSTANDING TOTALING $15,207,110.

Program 3

PAID DIVIDENDS ON MEMBER DEPOSITS TOTALING $534,521 FOR THE YEAR.

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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 $2,654,255

Investment Income $349,096

Other Revenue $3,168

TOTAL REVENUE $3,006,519

Expense Breakdown

Grants Paid $0

Salaries & Benefits $988,063

Fundraising Expenses $0

Other Expenses $1,858,630

TOTAL EXPENSES $2,846,693

Year-over-Year Comparison

	2025	2024	Change
Revenue	$3,006,519	$2,510,792	+0.2%
Expenses	$2,846,693	$2,450,091	+0.2%
Net Income	$159,826	$60,701	+1.6%

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

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

$143,182

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
TIMOTHY CRAFT	CHAIRPERSON	2.00	Director	$0	$0	$0
LISA CLANCY	VICE CHAIRPERSON	1.00	Director	$0	$0	$0
KEVIN CRABTREE	SECRETARY	2.00	Director	$0	$0	$0
CHRIS CAVANAUGH	TREASURER	1.00	Director	$0	$0	$0
RICH RENOLLET	DIRECTOR	1.00	Director	$0	$0	$0
JEANNE PATTON	DIRECTOR	1.00	Director	$0	$0	$0
RICK LECOMPTE	DIRECTOR	1.00	Director	$0	$0	$0
KATHY DOWNES	DIRECTOR	1.00	Director	$0	$0	$0
RODNEY BOEHME	DIRECTOR	1.00	Director	$0	$0	$0
SHAWN RILEY	PRESIDENT/CEO	40.00	Officer	$137,675	$5,507	$143,182

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	$3,006,519	$2,846,693	$39,444,410	$159,826
2024	$2,510,792	$2,450,091	$35,221,678	$60,701
2023	$2,023,601	$2,498,772	$32,363,776	$-475,171
2022	$1,401,222	$1,678,172	$32,374,596	$-276,950
2021	$1,271,903	$1,296,560	$33,256,305	$-24,657
2020	$1,434,188	$1,274,662	$31,290,944	$159,526
2019	$1,536,395	$1,455,478	$26,092,458	$80,917
2018	$1,586,725	$1,379,312	$27,523,753	$207,413