DELTA COMMUNITY CREDIT UNION (EIN 580904765) - 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

1940

Legal Domicile

Principal Officer

HANK HALTER

Phone

4047154725

Tax Period

2023-01-01 to 2023-12-31

DELTA COMMUNITY CREDIT UNION, founded in 1940, is a major nonprofit that reported $402.7M in total revenue in fiscal year 2023. Revenue grew 16% year-over-year, indicating healthy expansion. Expenses of $369.4M left a modest 8% surplus.

Mission

HELP MEMBERS REACH A LEVEL OF FINANCIAL AWARENESS AND STABILITY THAT AFFORDS THEM PEACE OF MIND.

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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 (2023)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $348,593,567

Investment Income $54,108,667

Other Revenue $0

TOTAL REVENUE $402,702,234

Expense Breakdown

Grants Paid $423,657

Salaries & Benefits $142,915,142

Fundraising Expenses $0

Other Expenses $166,451,769

TOTAL EXPENSES $369,367,287

Year-over-Year Comparison

	2023	2022	Change
Revenue	$402,702,234	$346,692,479	+0.2%
Expenses	$369,367,287	$279,911,986	+0.3%
Net Income	$33,334,947	$66,780,493	-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

1703

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

$3,095,808

Total Directors

$2,361,563

Key Employees

$6,898,791

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
HANK HALTER	PRESIDENT & CEO	40.00	Officer Director	$1,587,637	$483,426	$2,071,063
PAM DAVIS	SVP BRANCH DELIVERY & OPERATIONS	40.00	Key Emp	$1,041,450	$101,072	$1,142,522
MATTHEW SHEPHERD	EVP & COO	40.00	Key Emp	$829,163	$248,062	$1,077,225
BOB MANNING	SVP & GENERAL COUNSEL	40.00	Key Emp	$847,720	$128,230	$975,950
JAY GRATWICK	EVP & CFO	40.00	Officer	$696,392	$218,453	$914,845
BOB WALSH	EVP & CLO	40.00	Key Emp	$688,581	$211,910	$900,491
BILL BUCHANAN	SVP & CRO	40.00	Key Emp	$724,219	$98,686	$822,905
BILL MESPLAY	SVP REMOTE DELIVERY	40.00	Key Emp	$654,362	$98,158	$752,520
TIM MITCHELL	SVP & CIO	40.00	Key Emp	$535,641	$120,118	$655,759
SUZANNE MITCHELL	SVP HR	40.00	Key Emp	$467,589	$103,830	$571,419
JULIE BATES	VP-RETIREMENT & INVESTMENTS	40.00	Highest	$435,400	$42,620	$478,020
ERIC A LATIMER	VP-COMMERCIAL LENDING	40.00	Highest	$403,420	$50,444	$453,864
DAVID CASEY	FINANCIAL ADVISOR	40.00	Highest	$381,297	$44,344	$425,641
ABDUL HUSSAIN	VP-INFORMATION SECURITY	40.00	Highest	$367,651	$50,444	$418,095
ARPAN PATEL	VP-ENTERPRISE RISK MANAGEMENT	40.00	Highest	$343,872	$49,244	$393,116
CHARLIE BOYAJIAN	DIRECTOR	1.00	Director	$48,500	$0	$48,500
LINDA O'SHEA	VICE CHAIRMAN	1.00	Officer Director	$37,700	$0	$37,700
LEMUAL WIMBISH	SECRETARY & TREASURER	1.00	Officer Director	$37,700	$0	$37,700
ROBIN STRICKLIN	DIRECTOR	1.00	Director	$36,950	$0	$36,950
JIM DIFFLEY	CHAIRMAN	1.00	Officer Director	$34,500	$0	$34,500
MATT SULLIVAN	DIRECTOR	1.00	Director	$32,800	$0	$32,800
ESTHER HAMMOND	DIRECTOR	1.00	Director	$28,350	$0	$28,350
ALLISON AUSBAND	DIRECTOR	1.00	Director	$18,700	$0	$18,700
ALAN ARNOLD	DIRECTOR	1.00	Director	$15,300	$0	$15,300

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	$402,702,234	$369,367,287	$8,657,245,365	$33,334,947
2022	$346,692,479	$279,911,986	$9,251,719,034	$66,780,493
2021	$296,340,741	$240,051,941	$9,023,056,278	$56,288,800
2020	$300,225,373	$255,227,223	$7,715,628,689	$44,998,150
2019	$309,453,420	$240,571,807	$6,051,859,737	$68,881,613
2018	$282,664,339	$226,904,114	$5,756,302,882	$55,760,225

DELTA COMMUNITY CREDIT UNION