AZURA CREDIT UNION (EIN 480625190) - 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

1974

Legal Domicile

Principal Officer

GREG WINKLER

Phone

7852335556

Tax Period

2024-01-01 to 2024-12-31

AZURA CREDIT UNION, founded in 1974, is a mid-sized nonprofit that reported $58.2M in total revenue in fiscal year 2024. Revenue grew 17% year-over-year, indicating healthy expansion.

Mission

AZURA IS ENHANCING LIVES BY DELIVERING INNOVATIVE FINANCIAL SERVICE, EDUCATION, AND VALUE.

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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 (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $51,244,405

Investment Income $6,934,581

Other Revenue $60,583

TOTAL REVENUE $58,239,569

Expense Breakdown

Grants Paid $261,707

Salaries & Benefits $16,084,208

Fundraising Expenses $0

Other Expenses $40,579,333

TOTAL EXPENSES $56,925,248

Year-over-Year Comparison

	2024	2023	Change
Revenue	$58,239,569	$49,794,274	+0.2%
Expenses	$56,925,248	$45,279,466	+0.3%
Net Income	$1,314,321	$4,514,808	-0.7%

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

223

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

$1,758,154

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
BRAD DEITER	CHAIRMAN	2.00	Director	$0	$0	$0
SHIRLEY MARTIN	TREASURER	2.00	Director	$0	$0	$0
MARCIA DECHAND	SECRETARY	2.00	Director	$0	$0	$0
ROBERT BALSTERS	DIRECTOR	2.00	Director	$0	$0	$0
STEPHEN MCINTOSH	DIRECTOR	2.00	Director	$0	$0	$0
RANDY PACHOSA	DIRECTOR	2.00	Director	$0	$0	$0
BRYAN VARGAS	DIRECTOR	2.00	Director	$0	$0	$0
JASON FISHER	DIRECTOR	2.00	Director	$0	$0	$0
MAGGIE SULLIVAN	DIRECTOR	2.00	Director	$0	$0	$0
GREG WINKLER	PRESIDENT/CEO	40.00	Officer	$391,292	$33,019	$424,311
BRENTT MOON	SVP-OPERATIONS & INFO SYST	40.00	Officer	$214,611	$24,900	$239,511
SHERYL DICK	SVP-MEMBER SERVICE/CRO	40.00	Officer	$208,255	$23,774	$232,029
LISA BROWN	SVP-ADMINISTRATION/CAO	40.00	Officer	$210,384	$23,774	$234,158
HANNAH ANDERSON	SVP-LENDING/CLO	40.00	Officer	$188,634	$19,441	$208,075
JENNIFER KEIM	SVP-COMPLIANCE/CCO	40.00	Officer	$184,612	$21,818	$206,430
DAVID LINDERMAN	SVP-FINANCE/CFO	40.00	Officer	$191,562	$22,078	$213,640
BROOKE HAMILTON	VP-DIGITAL MEMBER EXPERIEN	40.00	Highest	$170,269	$9,584	$179,853
MARY MUNGER	VP-MEMBER EXPERIENCE	40.00	Highest	$147,905	$18,879	$166,784
KURTIS SCOTT	VP-DIGITAL SERVICES	40.00	Highest	$154,233	$20,592	$174,825
CASSANDRA OWEN	VP-PROJECT MANAGEMENT	40.00	Highest	$136,308	$18,211	$154,519
CHRISTY CAMPBELL	VP-HUMAN RESOURCES	40.00	Highest	$137,352	$17,872	$155,224
VALERIE TAYLOR	VP-MARKETING	40.00	Highest	$130,295	$16,421	$146,716
COURTNEY STALLINGS	VP-RISK MANAGEMENT	40.00	Highest	$127,771	$16,630	$144,401
ROBERT SCHOENBERG	FACILITIES PROJECT COORDINATOR	40.00	Highest	$110,859	$6,200	$117,059
KEVIN HARKINS	INDIRECT PROJECT MGR	40.00	Highest	$105,964	$15,234	$121,198
ALEX HUMMEL	PROJECT MGR	40.00	Highest	$104,163	$13,875	$118,038

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	$58,239,569	$56,925,248	$806,120,563	$1,314,321
2023	$49,794,274	$45,279,466	$784,341,030	$4,514,808
2022	$38,277,046	$30,347,956	$740,352,514	$7,929,090
2021	$33,958,013	$24,261,793	$682,703,343	$9,696,220
2020	$29,147,965	$25,400,575	$634,094,379	$3,747,390
2019	$28,768,772	$25,093,164	$527,290,156	$3,675,608
2018	$25,975,630	$22,143,755	$481,919,271	$3,831,875

AZURA CREDIT UNION