DATCU (EIN 750813379) - 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

MELANIE VEST

Phone

9403878585

Tax Period

2024-01-01 to 2024-12-31

DATCU, founded in 1936, is a major nonprofit that reported $100.5M in total revenue in fiscal year 2024. Revenue surged 20% from the prior year, signaling strong growth momentum. The organization ran a surplus of $20.9M, a strong 21% operating margin.

Mission

PROVIDING MEMBERS WITH A WIDE ARRAY OF COMPETITIVELY PRICED AND EFFICIENTLY DELIVERED SERVICES.

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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 $91,791,983

Investment Income $8,652,504

Other Revenue $72,000

TOTAL REVENUE $100,516,487

Expense Breakdown

Grants Paid $386,392

Salaries & Benefits $25,502,888

Fundraising Expenses $0

Other Expenses $32,516,251

TOTAL EXPENSES $79,637,640

Year-over-Year Comparison

	2024	2023	Change
Revenue	$100,516,487	$83,447,213	+0.2%
Expenses	$79,637,640	$59,023,256	+0.3%
Net Income	$20,878,847	$24,423,957	-0.1%

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

290

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

$4,421,129

Total Directors

$6,512

Key Employees

$2,081,337

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
GLEN MCKENZIE	CEO	40.00	Officer	$1,598,321	$60,593	$1,658,914
MELANIE VEST	PRESIDENT	40.00	Officer	$1,060,039	$71,201	$1,131,240
JON MADSEN	EVP, COO	40.00	Officer	$797,234	$64,860	$862,094
JAMES HENDERSON	EVP, CIO	40.00	Officer	$695,249	$70,582	$765,831
ROBERT HALL	SVP TECHNOLOGY STRATEGY & SOLUTIONS	40.00	Key Emp	$414,549	$43,091	$457,640
SONYA THOMPSON	SVP IS	40.00	Key Emp	$322,382	$41,752	$364,134
CRAIG NEU	SVP LENDING	40.00	Key Emp	$317,045	$66,627	$383,672
DAVID FRAZIER	SVP OPERATIONS	40.00	Key Emp	$271,119	$61,113	$332,232
KAYLA WALDING	SVP HR	40.00	Key Emp	$251,268	$34,693	$285,961
TOMMY WHITE	SVP MARKETING	40.00	Key Emp	$211,971	$45,727	$257,698
SUSAN PASSARIELLO	VP MARKETING	40.00	Highest	$209,060	$57,875	$266,935
DEANNA PETERSON	VP HR & TRAINING	40.00	Highest	$205,814	$47,583	$253,397
KERRY CRISTALES	VP CONTROLLER	40.00	Highest	$201,876	$30,164	$232,040
MELANIE ROBINSON	VP DIGITAL SERVICES	40.00	Highest	$155,150	$54,626	$209,776
ANTHONY YATES	SR. PROGRAMMER	40.00	Highest	$133,000	$34,785	$167,785
DR JAMIE WILSON	CHAIR	1.00	Officer Director	$532	$0	$532
LEE HOWELL	VICE CHAIR	1.00	Officer Director	$1,854	$0	$1,854
ROBERT RAMIREZ	SECRETARY	1.00	Officer Director	$664	$0	$664
MICHAEL FOSTER	DIRECTOR	1.00	Director	$2,022	$0	$2,022
GARY GOLDSMITH	DIRECTOR	1.00	Director	$1,440	$0	$1,440
LORI RAPP	DIRECTOR	1.00	Director	$0	$0	$0
KRISTIN HOWELL	DIRECTOR	1.00	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	$100,516,487	$79,637,640	$1,625,621,868	$20,878,847
2023	$83,447,213	$59,023,256	$1,569,597,722	$24,423,957
2022	$70,387,635	$41,914,895	$1,575,386,776	$28,472,740
2021	$58,120,235	$39,198,847	$1,472,218,560	$18,921,388
2020	$56,487,320	$40,769,297	$1,264,409,539	$15,718,023
2019	$54,835,915	$41,499,455	$1,044,072,484	$13,336,460
2018	$50,808,847	$38,172,105	$999,990,289	$12,636,742

DATCU