CAPITOL CREDIT UNION (EIN 746054885) - 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

1954

Legal Domicile

Principal Officer

PIERRE CARDENAS

Phone

5124779465

Tax Period

2023-01-01 to 2023-12-31

CAPITOL CREDIT UNION, founded in 1954, is a mid-sized nonprofit that reported $10.1M in total revenue in fiscal year 2023. Expenses of $9.3M left a modest 8% surplus.

Mission

CAPITOL CREDIT UNION EXISTS TO PROVIDE CONVENIENCE TO ITS MEMBERS THROUGH A RANGE OF QUALITY FINANCIAL SERVICES AND PRODUCTS OFFERED AT THE BEST POSSIBLE RATES IN A PROFESSIONAL AND PERSONALIZED MANNER.

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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 $9,224,962

Investment Income $870,344

Other Revenue $48,803

TOTAL REVENUE $10,144,109

Expense Breakdown

Grants Paid $0

Salaries & Benefits $4,150,458

Fundraising Expenses $0

Other Expenses $3,978,760

TOTAL EXPENSES $9,289,864

Year-over-Year Comparison

	2023	2022	Change
Revenue	$10,144,109	$9,538,813	+0.1%
Expenses	$9,289,864	$7,861,224	+0.2%
Net Income	$854,245	$1,677,589	-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

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

$813,865

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JAIME LYNN	VICE CHAIR	1.00	Officer Director	$0	$0	$0
MICHAEL JONES	BOARD CHAIR	1.00	Officer Director	$0	$0	$0
MIKE WARNER	DIRECTOR	1.00	Officer Director	$0	$0	$0
KARIM HIRANI	TREASURER	1.00	Officer Director	$0	$0	$0
BECKKI LAMMERT	DIRECTOR	1.00	Director	$0	$0	$0
WAYNE HAMILTON	DIRECTOR	1.00	Director	$0	$0	$0
DIANA MALDONADO	DIRECTOR	1.00	Director	$0	$0	$0
NANCY HRIN	DIRECTOR	1.00	Director	$0	$0	$0
COLIN PARRISH	DIRECTOR	1.00	Director	$0	$0	$0
KELLY EVANS	DIRECTOR	1.00	Director	$0	$0	$0
GREGORY WHITE	DIRECTOR	1.00	Director	$0	$0	$0
PIERRE CARDENAS	CEO	40.00	Officer	$295,133	$16,779	$311,912
LISA MALESKY	COO	40.00	Officer	$147,545	$16,974	$164,519
BRENNAN DANIELS	CFO	40.00	Officer	$149,820	$20,736	$170,556
PAUL GARCIA	CIO	40.00	Officer	$158,091	$8,787	$166,878
MARTIN FOGARTY	VP LENDING & REMOTE SERVICES	40.00	Highest	$110,067	$9,531	$119,598

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	$10,144,109	$9,289,864	$213,925,831	$854,245
2022	$9,538,813	$7,861,224	$213,093,379	$1,677,589
2021	$8,234,644	$7,057,956	$196,512,074	$1,176,688
2020	$17,431,883	$6,438,121	$176,043,251	$10,993,762
2019	$7,308,526	$6,161,023	$141,043,968	$1,147,503
2018	$6,467,894	$5,372,001	$132,012,984	$1,095,893

CAPITOL CREDIT UNION