CAROLINAS CREDIT UNION LEAGUE 4248

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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

Principal Officer

STEPHEN BEACH

Phone

8037815400

Tax Period

2024-01-01 to 2024-12-31

CAROLINAS CREDIT UNION LEAGUE 4248, founded in 1934, is a community nonprofit that reported $2.9M in total revenue in fiscal year 2024. Expenses of $2.9M left a modest 3% surplus.

Mission

HELP CREDIT UNIONS SUCCEED BY PROVIDING ADVOCACY AND COOPERATIVE SOLUTIONS

Program Service Accomplishments

Program 1

Expenses: $2,571,220

PROVIDE CREDIT UNIONS ADVOCACY, COMPLIANCE SERVICES AND EDUCATIONAL DEVELOPMENT, PROMOTE AND ASSIST ORGANIZATION OF NEW CREDIT UNIONS, ADVISE ON POLICY MATTERS AND PROCEDURES, PROVIDE SERVICES AND...

PROVIDE CREDIT UNIONS ADVOCACY, COMPLIANCE SERVICES AND EDUCATIONAL DEVELOPMENT, PROMOTE AND ASSIST ORGANIZATION OF NEW CREDIT UNIONS, ADVISE ON POLICY MATTERS AND PROCEDURES, PROVIDE SERVICES AND PROGRAMS

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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 $2,493,339

Program Service Revenue $131,226

Investment Income $204,369

Other Revenue $116,726

TOTAL REVENUE $2,945,660

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,353,151

Fundraising Expenses $75,193

Program Expenses $2,571,220

Other Expenses $1,503,762

TOTAL EXPENSES $2,856,913

Year-over-Year Comparison

	2024	2023	Change
Revenue	$2,945,660	$2,781,746	+0.1%
Expenses	$2,856,913	$2,779,816	+0.0%
Net Income	$88,747	$1,930	+45.0%

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

Volunteers

N/A

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

$925,793

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DANIEL SCHLINE	CEO/PRESIDEN	40.00	Officer	$210,797	$42,357	$463,952
STEPHEN BEACH	COO/VICE PRE	40.00	Officer	$0	$39,092	$281,537
LAUREN DEANGELIS	CHIEF LEARNI	40.00	Officer	$162,194	$18,110	$180,304
WILLIAM BOYLSTON	SVP ADVOCACY	40.00	Highest	$152,250	$26,713	$178,963
JEANNE COUCHOIS	SVP RISK MAN	40.00	Highest	$135,775	$31,724	$167,499
ROSE HUDSON	VP ACCT & CO	40.00	Highest	$0	$12,470	$138,437
MICHAEL BAKER	BOARD MEMBER	1.00	Director	$0	$0	$0
BRIAN BONE	BOARD MEMBER	1.00	Director	$0	$0	$0
LEIGH BRADY	BOARD MEMBER	1.00	Officer Director	$0	$0	$0
TIM CARLISLE	BOARD MEMBER	1.00	Director	$0	$0	$0
LATASHA COOPER	EXECUTIVE OF	1.00	Officer Director	$0	$0	$0
FAYE CROCKER	SECRETARY	1.00	Officer Director	$0	$0	$0
BOB DONLEY	CHAIR	1.00	Officer Director	$0	$0	$0
TRAVIS HALL	TREASURER	1.00	Director	$0	$0	$0
BRIAN MCKAY	VICE CHAIRMA	1.00	Officer Director	$0	$0	$0
ELIZABETH ORAMA	BOARD MEMBER	1.00	Director	$0	$0	$0
JAKE ROBINSON	BOARD MEMBER	1.00	Director	$0	$0	$0
CHRISTIE SMITH	BOARD MEMBER	1.00	Director	$0	$0	$0
BRIAN VANNOY	BOARD MEMBER	1.00	Director	$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
2024	$2,945,660	$2,856,913	$6,425,102	$88,747
2023	$2,781,746	$2,779,816	$6,274,971	$1,930
2022	$2,470,714	$2,294,011	$6,746,524	$176,703
2021	$2,302,391	$2,018,986	$5,879,933	$283,405
2020	$2,156,827	$1,886,941	$5,573,501	$269,886
2019	$2,386,048	$2,057,083	$5,093,340	$328,965
2018	$2,380,228	$2,173,537	$4,455,381	$206,691