THE CREDIT UNION FOUNDATION OF MD & DC (EIN 521749045) - 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

1991

Legal Domicile

Principal Officer

JOHN BRATSAKIS

Phone

4433250768

Tax Period

2024-06-01 to 2025-05-31

THE CREDIT UNION FOUNDATION OF MD & DC, founded in 1991, is a small nonprofit that reported $206K in total revenue in fiscal year 2024. Revenue fell 35% from the prior year — a significant decline worth monitoring. Expenses of $300K exceeded revenue, resulting in a 46% operating deficit.

Mission

THE CREDIT UNION FOUNDATION OF MARYLAND & THE DISTRICT OF COLUMBIA IMPROVES LIVES BY WORKING WITH CREDIT UNIONS IN MARYLAND AND THE DISTRICT OF COLUMBIA TO SUPPORT FINANCIAL SELF-SUFFICIENCY AND PERSONAL, AFFORDABLE FINANCIAL SERVICES.

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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 $156,995

Program Service Revenue $0

Investment Income $30,155

Other Revenue $18,685

TOTAL REVENUE $205,835

Expense Breakdown

Grants Paid $66,428

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $78,080

Other Expenses $233,358

TOTAL EXPENSES $299,786

Year-over-Year Comparison

	2024	2023	Change
Revenue	$205,835	$318,419	-0.4%
Expenses	$299,786	$263,173	+0.1%
Net Income	$-93,951	$55,246	-2.7%

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

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
JIM WHIPP	BOARD CHAIR	5.00	Officer Director	$0	$0	$0
RODERIC FLOWERS	VICE CHAIR	2.00	Officer Director	$0	$0	$0
SEAN ZIMMERMANN	TREASURER	5.00	Officer Director	$0	$0	$0
LINDA ALBRECHT	SECRETARY	2.00	Officer Director	$0	$0	$0
TONIA NIEDZIALKOWSKI	DIRECTOR	2.00	Director	$0	$0	$0
JOHN HAMILTON	DIRECTOR	2.00	Director	$0	$0	$0
BRETT NOLL	DIRECTOR	2.00	Director	$0	$0	$0
BONNIE JACOBSON	DIRECTOR	2.00	Director	$0	$0	$0
GIRADO SMITH	DIRECTOR	2.00	Director	$0	$0	$0
JOHN BRATSAKIS	EXECUTIVE DIRECTOR	10.00	Officer	$0	$0	$0
LEIGH PHILIBOSIAN	DIRECTOR (STAFF)	30.00	Officer	$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	$205,835	$299,786	$4,152,261	$-93,951
2024	$318,419	$263,173	$3,851,308	$55,246
2023	$144,279	$257,421	$3,391,376	$-113,142
2022	$174,493	$350,646	$3,427,234	$-176,153
2021	$836,720	$317,313	$4,034,922	$519,407
2020	$260,048	$284,961	$3,668,995	$-24,913
2019	$273,097	$279,289	$3,531,025	$-6,192

THE CREDIT UNION FOUNDATION OF MD & DC