ORLANDO CREDIT UNION (EIN 591517872) - 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

1936

Legal Domicile

Principal Officer

SUZANNE WEINSTEIN

Phone

4078353500

Tax Period

2024-01-01 to 2024-12-31

ORLANDO CREDIT UNION, founded in 1936, is a mid-sized nonprofit that reported $23.1M in total revenue in fiscal year 2024. Expenses of $21.2M left a modest 8% surplus.

Mission

ORLANDO CREDIT UNION WAS FOUNDED ON THE UNIVERSAL CREDIT UNION CREED OF NOT FOR PROFIT, NOT FOR CHARITY, BUT FOR SERVICE." IT'S WHY OVER 26,000 MEMBERS TURN TO US STILL, MORE THAN 80 YEARS AFTER WE WERE FOUNDED.

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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 $20,844,260

Investment Income $2,239,611

Other Revenue $0

TOTAL REVENUE $23,083,871

Expense Breakdown

Grants Paid $0

Salaries & Benefits $8,037,501

Fundraising Expenses $0

Other Expenses $13,116,593

TOTAL EXPENSES $21,154,094

Year-over-Year Comparison

	2024	2023	Change
Revenue	$23,083,871	$22,035,842	+0.0%
Expenses	$21,154,094	$17,394,516	+0.2%
Net Income	$1,929,777	$4,641,326	-0.6%

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

107

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

$856,736

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ANDREW DILORETO	BOD DIRECTOR	0.50	Director	$0	$0	$0
CHRIS MCCULLION	BOD DIRECTOR	0.50	Director	$0	$0	$0
FJ FLYNN	BOD VICE CHAIR	0.50	Director	$0	$0	$0
GRACE CHEWNING	BOD TREASURER	0.50	Director	$0	$0	$0
LAWRENCE STRAWN	BOD SECRETARY	0.50	Director	$0	$0	$0
MARIA NEFF CAULDER	BOD DIRECTOR	0.50	Director	$0	$0	$0
VINCE PRESTON	BOD DIRECTOR	0.50	Director	$0	$0	$0
SUZANNE WEINSTEIN	PRESIDENT/CEO	50.00	Officer	$426,936	$296,203	$723,139
THOMAS DOBBS	CFO	50.00	Officer	$119,631	$13,966	$133,597
VICTOR GONZALEZ	VP INFORMATION TECHNOLOGY	50.00	Highest	$210,166	$41,190	$251,356
BRETT CHILDERS	VP LENDING	50.00	Highest	$180,759	$34,520	$215,279
DAVID DUNCAN	VP MARKETING	50.00	Highest	$177,968	$19,661	$197,629
JACQUELINE RAY	VP RETAIL SERVICES	50.00	Highest	$175,231	$38,941	$214,172
TIMOTHY CAHILL	COMMERCIAL BUSINESS MANAGER	50.00	Highest	$136,736	$15,016	$151,752

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	$23,083,871	$21,154,094	$385,738,039	$1,929,777
2023	$22,035,842	$17,394,516	$332,163,820	$4,641,326
2022	$13,556,119	$14,606,542	$320,134,745	$-1,050,423
2021	$14,661,328	$13,159,947	$313,715,369	$1,501,381
2020	$13,076,115	$13,710,743	$283,024,217	$-634,628

ORLANDO CREDIT UNION