DUPONT COMMUNITY CREDIT UNION (EIN 540662923) - Form 990 Financial Analysis & Trantor Score

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Tuckman-Chang Vulnerability Assessment

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

1959

Legal Domicile

Principal Officer

STEPHEN F ELKINS

Phone

5409463200

Tax Period

2023-01-01 to 2023-12-31

DUPONT COMMUNITY CREDIT UNION, founded in 1959, is a mid-sized nonprofit that reported $65.8M in total revenue in fiscal year 2018. Revenue grew 12% year-over-year, indicating healthy expansion. Expenses of $57.4M left a modest 13% surplus.

Mission

COMMITTED TO EXCELLENCE THROUGH OUR RELATIONSHIPS WITH OUR MEMBERS, EMPLOYEES AND COMMUNITY.

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Trantor Score

Financial Health & Payment Capacity Assessment (FICO Scale: 300–850)

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2023)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $81,033,109

Investment Income $14,181,004

Other Revenue $733,558

TOTAL REVENUE $95,947,671

Expense Breakdown

Grants Paid $0

Salaries & Benefits $29,742,524

Fundraising Expenses $0

Other Expenses $26,179,421

TOTAL EXPENSES $77,658,319

Year-over-Year Comparison

	2023	2022	Change
Revenue	$95,947,671	$80,187,519	+0.2%
Expenses	$77,658,319	$61,494,817	+0.3%
Net Income	$18,289,352	$18,692,702	0.0%

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

452

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

$986,093

Total Directors

Key Employees

$1,854,074

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MARVIN GCOPELAND JR	DIRECTOR	1.00	Director	$0	$0	$0
DAVID A KIRBY	DIRECTOR	1.00	Director	$0	$0	$0
JANET P MANGUN	DIRECTOR	1.00	Director	$0	$0	$0
CHRISTOPHER DTERRY	DIRECTOR	1.00	Director	$0	$0	$0
DREW ELLEN GOGIAN	SECRETARY	1.00	Officer Director	$0	$0	$0
MICHAEL P BLINN	TREASURER	1.00	Officer Director	$0	$0	$0
EVERETT J CAMPBELL JR	VICE CHAIR	1.00	Officer Director	$0	$0	$0
ANGELA M SIMONETTI	CHAIR	1.00	Officer Director	$0	$0	$0
STEVE ELKINS	PRESIDENT/CEO	40.00	Officer	$596,977	$30,852	$627,829
STEVE PITTMAN	SENIOR VP/CHIEF FINANCIAL OFFICER	40.00	Officer	$283,608	$74,656	$358,264
BARRY SMITH	CHIEF OPERATING OFFICER	40.00	Key Emp	$378,327	$89,750	$468,077
MIKE TRANUM	CHIEF INFORMATION OFFICER	40.00	Key Emp	$323,783	$82,936	$406,719
MICHAEL MCALLISTER	CHIEF LENDING OFFICER	40.00	Key Emp	$241,191	$64,590	$305,781
JACKIE CASON	VP OF HUMAN RESOURCES	40.00	Key Emp	$301,544	$67,273	$368,817
JACOB LAREW	CHIEF RETAIL OFFICER	40.00	Key Emp	$234,669	$70,011	$304,680
CYNTHIA NUCKOLES	VP OF INFORMATION TECHNOLOGY	40.00	Highest	$179,051	$19,048	$198,099
JOE WINGFIELD	MORTGAGE ADVISOR	40.00	Highest	$145,056	$24,126	$169,182
BRANDON MURRAY	SOFTWARE DEVELOPMENT AVP	40.00	Highest	$143,187	$24,960	$168,147
JOSH TROMBLEY	INFORMATION SECURITY AVP	40.00	Highest	$143,373	$10,722	$154,095
TINA COFFEY	MORTGAGE ADVISOR	40.00	Highest	$145,756	$17,095	$162,851

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	$95,947,671	$77,658,319	$1,790,174,769	$18,289,352
2021	$68,512,991	$55,776,303	$1,766,136,819	$12,736,688
2020	$65,581,201	$56,606,773	$1,539,571,454	$8,974,428
2019	$67,151,318	$57,708,559	$1,272,085,361	$9,442,759
2018	$65,786,392	$57,374,683	$1,176,455,731	$8,411,709

DUPONT COMMUNITY CREDIT UNION