The Pentagon Federal Credit Union Foundation (EIN 542062271) - 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

2001

Legal Domicile

Principal Officer

Andrea McCarren

Phone

7038381200

Tax Period

2023-01-01 to 2023-12-31

The Pentagon Federal Credit Union Foundation, founded in 2001, is a community nonprofit in the Recreation & Sports sector that reported $4.6M in total revenue in fiscal year 2018. Revenue surged 72% from the prior year, signaling strong growth momentum. The organization ran a surplus of $1.0M, a strong 23% operating margin.

Mission

To champion our military through investment, advocacy, and outreach.

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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 $3,788,577

Program Service Revenue $0

Investment Income $71,805

Other Revenue $-607,060

TOTAL REVENUE $3,253,322

Expense Breakdown

Grants Paid $1,397,810

Salaries & Benefits $0

Fundraising Expenses $122,971

Program Expenses $2,247,596

Other Expenses $1,221,074

TOTAL EXPENSES $2,618,884

Year-over-Year Comparison

	2023	2022	Change
Revenue	$3,253,322	$7,823,201	-0.6%
Expenses	$2,618,884	$4,296,875	-0.4%
Net Income	$634,438	$3,526,326	-0.8%

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
Deborah Lee James	Chairwoman	2.00	Officer Director	$0	$0	$0
Fred B Caprio	Vice Chair	1.50	Officer Director	$0	$0	$0
Sandra Patricola	Secretary/Treasurer	1.00	Officer Director	$0	$0	$0
Edward B Cody	Director	1.00	Director	$0	$0	$0
Jim Dinegar	Director	1.00	Director	$0	$0	$0
James Quinn	Director	1.00	Director	$0	$0	$0
Alfred Rudolph	Director	1.00	Director	$0	$0	$0
David Barondess	Director	1.00	Director	$0	$0	$0
David Clark	VP Foundation Operations (Until 7/23)	37.50	Highest	$0	$4,813	$209,884
Scott Davis	Dir, Vet Entrepreneurship (until 12/23)	37.50	Highest	$0	$5,765	$186,349
Katherine Watson	Director of Philanthropy	37.50	Highest	$0	$4,131	$117,641

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	$3,253,322	$2,618,884	$14,216,497	$634,438
2023	$3,288,623	$2,618,884	$8,534,940	$669,739
2022	$7,823,201	$4,296,875	$8,671,732	$3,526,326
2021	$6,700,789	$4,113,801	$5,129,099	$2,586,988
2020	$4,548,205	$4,315,792	$2,470,789	$232,413
2019	$2,775,571	$4,044,492	$2,372,241	$-1,268,921
2018	$4,557,508	$3,530,694	$3,802,297	$1,026,814

The Pentagon Federal Credit Union Foundation