SUNCOAST CREDIT UNION FOUNDATION (EIN 593037324) - Form 990 Financial Analysis & Trantor Score

🔒

Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

Sign in with your work email to view Tuckman-Chang indicators

Financial Trends

Organization Details

Formation Year

1991

Legal Domicile

Principal Officer

GARY GRESHAM

Phone

8009995887

Tax Period

2025-01-01 to 2025-12-31

SUNCOAST CREDIT UNION FOUNDATION, founded in 1991, is a community nonprofit in the Education sector that reported $7.7M in total revenue in fiscal year 2025. Revenue surged 31% from the prior year, signaling strong growth momentum. The organization ran a surplus of $1.3M, a strong 17% operating margin.

Mission

FUNDRAISING, CHARITABLE CONTRIBUTIONS, AND AWARDING SCHOLARSHIPS.

🔒

Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

Sign in to view Trantor Score and financial metrics

Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2025)

Revenue Breakdown

Contributions & Grants $7,300,549

Program Service Revenue $0

Investment Income $374,459

Other Revenue $0

TOTAL REVENUE $7,675,008

Expense Breakdown

Grants Paid $6,356,511

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $6,356,511

Other Expenses $25,150

TOTAL EXPENSES $6,381,661

Year-over-Year Comparison

	2025	2024	Change
Revenue	$7,675,008	$5,861,938	+0.3%
Expenses	$6,381,661	$7,008,833	-0.1%
Net Income	$1,293,347	$-1,146,895	-2.1%

Key Indicators

✓ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✓ Schedule B Required

🔒

Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

Sign in to view all financial metrics

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

$179,797

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
BOB JONES	TRUSTEE	1.00	Officer Director	$0	$0	$0
GARY GRESHAM	CHAIR	1.00	Officer Director	$0	$0	$0
JOUNICE L NEALY-BROWN	TRUSTEE	1.00	Officer Director	$0	$0	$0
ANDREA L FALVEY	TRUSTEE	1.00	Officer Director	$0	$0	$0
JEFF KUNBERGER	EXECUTIVE DIRECTOR	38.00	Officer	$0	$31,328	$179,797

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
2025	$7,675,008	$6,381,661	$11,941,588	$1,293,347
2024	$5,861,938	$7,008,833	$10,343,319	$-1,146,895
2023	$5,703,017	$4,518,475	$11,156,562	$1,184,542
2022	$5,210,276	$4,314,398	$9,626,810	$895,878
2021	$4,962,379	$3,628,338	$9,353,837	$1,334,041
2020	$4,346,628	$3,713,759	$7,779,517	$632,869
2019	$4,333,787	$3,528,400	$6,863,679	$805,387
2018	$3,774,453	$3,344,424	$5,712,347	$430,029

SUNCOAST CREDIT UNION FOUNDATION