INTREPID CREDIT UNION (EIN 810232791) - 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

GREG STRIZICH

Phone

4064435400

Tax Period

2024-01-01 to 2024-12-31

INTREPID CREDIT UNION, founded in 1936, is a mid-sized nonprofit that reported $18.5M in total revenue in fiscal year 2024. Expenses of $17.9M left a modest 3% surplus.

Mission

CONSUMER (MEMBER) FINANCIAL 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 $17,323,557

Investment Income $1,010,385

Other Revenue $207,078

TOTAL REVENUE $18,541,020

Expense Breakdown

Grants Paid $0

Salaries & Benefits $6,264,185

Fundraising Expenses $0

Other Expenses $8,177,700

TOTAL EXPENSES $17,937,641

Year-over-Year Comparison

	2024	2023	Change
Revenue	$18,541,020	$17,347,179	+0.1%
Expenses	$17,937,641	$15,826,686	+0.1%
Net Income	$603,379	$1,520,493	-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

108

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

$277,894

Total Directors

Key Employees

$206,069

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
GREG STRIZICH	PRESIDENT/CEO	40.00	Officer	$254,760	$23,134	$277,894
TAVISH TAYLOR	CHIEF FINANCIAL OFFICER	40.00	Key Emp	$179,043	$27,026	$206,069
ASHLEY STEWART	VP CORE TECHNOLOGY AND PRO	40.00	Highest	$130,693	$24,785	$155,478
TIM SCHUMACHER	SVP OPERATIONS	40.00	Highest	$106,672	$34,003	$140,675
LISA TINKER	SVP MORTGAGE LENDING	40.00	Highest	$118,085	$18,537	$136,622
JULIA BRYANT-GARCIA	AVP MARKETING	1.00	Highest	$103,819	$7,101	$110,920
DONALD POLLY	CHAIRPERSON	8.00	Officer Director	$0	$0	$0
KEVIN DUNN	VICE-CHAIRPERSON	2.00	Officer Director	$0	$0	$0
ANDY HUNTHAUSEN	TREASURER	2.00	Officer Director	$0	$0	$0
NANCY EVERSON	SECRETARY	2.00	Officer Director	$0	$0	$0
AARON PRATT	BOARD MEMBER	2.00	Director	$0	$0	$0
STANLEY PUTNAM	BOARD MEMBER	2.00	Director	$0	$0	$0
JOHN ROBINSON	BOARD MEMBER	2.00	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	$18,541,020	$17,937,641	$303,582,745	$603,379
2023	$17,347,179	$15,826,686	$314,868,160	$1,520,493
2022	$12,493,074	$10,596,806	$281,858,042	$1,896,268
2021	$11,197,154	$8,988,985	$276,384,323	$2,208,169
2020	$10,263,941	$9,259,031	$245,162,712	$1,004,910
2019	$10,027,538	$9,361,047	$209,028,075	$666,491

INTREPID CREDIT UNION