MARYLAND AND DISTRICT OF COLUMBIA CREDIT UNION ASSOCIATION INCORPORATED

EIN: 526050014 Community Improvement

COLUMBIA, MD

Total Revenue
$2,111,436
Total Expenses
$2,083,226
Total Assets
$5,797,527
Net Assets
$1,939,541
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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
1934
Legal Domicile
MD
Principal Officer
JOHN BRATSAKIS
Phone
4102906858
Tax Period
2023-01-01 to 2023-12-31

MARYLAND AND DISTRICT OF COLUMBIA CREDIT UNION ASSOCIATION INCORPORATED, founded in 1934, is a community nonprofit in the Community Improvement sector that reported $2.1M in total revenue in fiscal year 2023. Revenue surged 30% from the prior year, signaling strong growth momentum.

Mission

ADVOCACY, EDUCATION, AND SERVICES FOR CREDIT UNIONS IN MARYLAND AND THE DISTRICT OF COLUMBIA.

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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%)

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Financial Overview (2023)

Revenue Breakdown

Contributions & Grants $0
Program Service Revenue $1,936,790
Investment Income $46,602
Other Revenue $128,044
TOTAL REVENUE $2,111,436

Expense Breakdown

Grants Paid $0
Salaries & Benefits $892,828
Fundraising Expenses $0
Other Expenses $1,190,398
TOTAL EXPENSES $2,083,226

Year-over-Year Comparison

2023 2022 Change
Revenue $2,111,436 $1,622,924 +0.3%
Expenses $2,083,226 $1,732,452 +0.2%
Net Income $28,210 $-109,528 -1.3%
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

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Governance

Voting Members
12
Independent Members
12
Employees
10
Volunteers
21

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
6
$852,953
Total Directors
12
$0
Key Employees
0
$0
Highest Compensated
0
reported
Name Title Hours/Week Role Reportable Comp Other Comp Total
LAURA EACHO CHAIR 1.00
Officer Director
$0 $0 $0
KRISTIN SHULTZ VICE CHAIR 1.00
Officer Director
$0 $0 $0
JEFFREY GOFF TREASURER 1.00
Officer Director
$0 $0 $0
BECKY MCKENZIE SECRETARY 1.00
Officer Director
$0 $0 $0
JOHN HAMILTON DIRECTOR 0.50
Director
$0 $0 $0
THERESA MANN DIRECTOR 0.50
Director
$0 $0 $0
DAVID SWEIDERK DIRECTOR 0.50
Director
$0 $0 $0
JOE SPARACINO DIRECTOR 0.50
Director
$0 $0 $0
RICK WIECZOREK DIRECTOR 0.50
Director
$0 $0 $0
TIMOTHY ANDERSON DIRECTOR 0.50
Director
$0 $0 $0
VICKI JOHNSTON DIRECTOR 0.50
Director
$0 $0 $0
TONI NIEDZIALKOWSKI DIRECTOR 0.50
Director
$0 $0 $0
JOHN BRATSAKIS PRESIDENT/CEO 30.00
Officer
$532,265 $73,544 $605,809
MICHELLE BYRNIE-PARKER SVP/CHIEF PUBLIC AFFAIRS OFFICER 30.00
Officer
$192,853 $54,291 $247,144
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 $2,111,436 $2,083,226 $5,797,527 $28,210
2022 $1,622,924 $1,732,452 $5,289,327 $-109,528
2021 $1,256,181 $1,241,139 $3,014,568 $15,042
2020 $1,002,553 $1,253,356 $3,136,242 $-250,803
2019 $1,550,596 $1,610,237 $3,275,928 $-59,641
2018 $1,767,404 $1,718,424 $3,834,170 $48,980
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