National Association of Credit Union Chairs (EIN 630770470) - 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

1978

Legal Domicile

Principal Officer

Celeste A Shelton

Phone

8889874247

Tax Period

2023-01-01 to 2023-12-31

National Association of Credit Union Chairs, founded in 1978, is a small nonprofit that reported $378K in total revenue in fiscal year 2023. Revenue grew 16% year-over-year, indicating healthy expansion. Expenses of $335K left a modest 12% surplus.

Mission

To provide credit union board chairs with unique educational forums and networking opportunities designed to develop and improve their leadership skills and expertise.

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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 $372,440

Investment Income $5,136

Other Revenue $897

TOTAL REVENUE $378,473

Expense Breakdown

Grants Paid $1,000

Salaries & Benefits $130,000

Fundraising Expenses $0

Other Expenses $203,766

TOTAL EXPENSES $334,766

Year-over-Year Comparison

	2023	2022	Change
Revenue	$378,473	$326,831	+0.2%
Expenses	$334,766	$285,179	+0.2%
Net Income	$43,707	$41,652	+0.0%

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

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

$130,000

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Celeste Shelton	Executive Director	040.00	Officer	$130,000	$0	$130,000
Dr Luis Ramos	Chair	001.00	Officer Director	$0	$0	$0
Jim Hollingsworth	Vice Chair	001.00	Officer Director	$0	$0	$0
Joe Budnick	Board Treasurer	001.00	Officer Director	$0	$0	$0
Marlene Schwartz	Secretary	001.00	Officer Director	$0	$0	$0
Martha Castillo	Director	001.00	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	No data	No data	No data	No data
2023	$378,473	$334,766	$336,381	$43,707
2022	$326,831	$285,179	$305,259	$41,652
2019	$289,601	$252,812	$324,936	$36,789
2018	$267,094	$241,278	$291,607	$25,816

National Association of Credit Union Chairs