NCU-ISAO INC (EIN 814476286) - 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

2017

Legal Domicile

Principal Officer

BRIAN HINZE

Phone

7206002466

Tax Period

2025-01-01 to 2025-12-31

NCU-ISAO INC, founded in 2017, is a small nonprofit in the Community Improvement sector that reported $949K in total revenue in fiscal year 2025. Revenue surged 40% from the prior year, signaling strong growth momentum. The organization ran a surplus of $367K, a strong 39% operating margin.

Mission

CYBER SECURITY MEMBERSHIP AND EVENTS WITH US CREDIT UNIONS THAT INCLUDES THREAT INTELLIGENCE, OPERATIONAL BEST PRACTICES, REGULATORY COMPLIANCE AND WORKFORCE EDUCATION.

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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 (2025)

Revenue Breakdown

Contributions & Grants $743,673

Program Service Revenue $200,792

Investment Income $4,803

Other Revenue $0

TOTAL REVENUE $949,268

Expense Breakdown

Grants Paid $0

Salaries & Benefits $355,260

Fundraising Expenses $0

Program Expenses $413,208

Other Expenses $226,916

TOTAL EXPENSES $582,176

Year-over-Year Comparison

	2025	2024	Change
Revenue	$949,268	$678,436	+0.4%
Expenses	$582,176	$534,087	+0.1%
Net Income	$367,092	$144,349	+1.5%

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

N/A

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

$136,319

Total Directors

$136,319

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
BRIAN HINZE	CEO/DIRECTOR	40.00	Officer Director	$136,319	$0	$136,319
DEBORAH KOBZA	SECRETARY/DIRECTOR	0.00	Director	$0	$0	$0
GENE FREDRICKSEN	TREASURER/DIRECTOR	0.00	Officer Director	$0	$0	$0
JACK SMITH	DIRECTOR	0.00	Director	$0	$0	$0
IDREES RAFIQ	DIRECTOR	0.00	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
2025	$949,268	$582,176	$724,794	$367,092
2024	No data	No data	No data	No data
2023	$526,089	$459,181	$215,241	$66,908
2022	$339,972	$313,780	$146,662	$26,192
2021	$196,779	$182,356	$119,110	$14,423
2020	$189,882	$180,309	$104,437	$9,573

NCU-ISAO INC