VIZO FINANCIAL CORPORATE CREDIT UNION (EIN 561295697) - 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

1980

Legal Domicile

Principal Officer

FRED EISEL

Phone

3362174992

Tax Period

2024-01-01 to 2024-12-31

VIZO FINANCIAL CORPORATE CREDIT UNION, founded in 1980, is a major nonprofit that reported $342.7M in total revenue in fiscal year 2024. Revenue grew 10% year-over-year, indicating healthy expansion. Expenses of $309.6M left a modest 10% surplus.

Mission

VIZO FINANCIAL IS THE CREDIT UNIONS' 'CREDIT UNION' OFFERING LIQUIDITY SERVICES, INVESTMENT SOLUTIONS AND PAYMENT 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 $0

Program Service Revenue $19,982,399

Investment Income $323,955,161

Other Revenue $-1,262,999

TOTAL REVENUE $342,674,561

Expense Breakdown

Grants Paid $89,100

Salaries & Benefits $21,921,658

Fundraising Expenses $0

Other Expenses $287,540,148

TOTAL EXPENSES $309,550,906

Year-over-Year Comparison

	2024	2023	Change
Revenue	$342,674,561	$312,063,561	+0.1%
Expenses	$309,550,906	$251,198,292	+0.2%
Net Income	$33,123,655	$60,865,269	-0.5%

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

190

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

$1,401,098

Total Directors

Key Employees

$960,174

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
SCOTT WOODS	DIRECTOR	3.00	Director	$0	$0	$0
JEFF CHELIUS	BOARD CHAIRPERSON	3.00	Director	$0	$0	$0
GENICE DECORTE	BOARD TREASURER	3.00	Director	$0	$0	$0
DANIEL BERRY	BOARD VICE CHAIRPERSON	3.00	Director	$0	$0	$0
DEREK FUZZELL	BOARD SECRETARY	2.00	Director	$0	$0	$0
PAUL HUGHES	DIRECTOR	2.00	Director	$0	$0	$0
JERRY KING	DIRECTOR	2.00	Director	$0	$0	$0
MARK VOLPONI	DIRECTOR	2.00	Director	$0	$0	$0
SCOTT WEAVER	DIRECTOR	2.00	Director	$0	$0	$0
FRED EISEL	PRESIDENT/CEO	40.00	Officer	$550,991	$56,277	$607,268
MARK BROWN	SVP/CHIEF FINANCIAL OFFICER	40.00	Officer	$410,293	$149,191	$559,484
DAVID BREHMER	PRESIDENT/CEO (RETIRED 01/05/24)	40.00	Officer	$218,678	$15,668	$234,346
TIMOTHY J SUSTAK	SVP/CHIEF TREASURY OFFICER	40.00	Key Emp	$544,979	$59,325	$604,304
SCOTT WOOD	SVP/CHIEF INVESTMENT OFFICER	40.00	Key Emp	$291,524	$64,346	$355,870
JEFFREY STONER	SVP/CHIEF STRATEGY & TECHNOLOGY OFFICER	40.00	Highest	$778,996	$68,431	$847,427
RODNEY MAY	SVP/CHIEF ENGAGEMENT OFFICER	40.00	Highest	$708,619	$66,062	$774,681
LORI GALL	SVP/CHIEF RISK OFFICER	40.00	Highest	$681,557	$52,646	$734,203
JOSEPH BERTOTTO	SVP/CHIEF CULTURE OFFICER	40.00	Highest	$603,105	$49,475	$652,580
JANICE APPLEBY	SVP/CHIEF HUMAN RESOURCES	40.00	Highest	$585,023	$37,218	$622,241

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	$342,674,561	$309,550,906	$6,045,495,809	$33,123,655
2023	$312,063,561	$251,198,292	$6,042,910,980	$60,865,269
2022	$215,933,784	$135,018,605	$6,740,797,633	$80,915,179
2021	$155,341,145	$54,006,594	$5,382,501,749	$101,334,551
2020	$76,672,079	$58,336,350	$7,383,800,862	$18,335,729
2019	$115,178,255	$99,813,398	$4,707,672,721	$15,364,857
2018	$92,590,786	$79,994,064	$3,607,137,172	$12,596,722

VIZO FINANCIAL CORPORATE CREDIT UNION