MOUNTAIN WEST CREDIT UNION ASSOCIATION (EIN 840375111) - Form 990 Financial Analysis & Trantor Score

🔒

Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

Sign in with your work email to view Tuckman-Chang indicators

Financial Trends

Organization Details

Formation Year

1969

Legal Domicile

Principal Officer

SCOTT EARL

Phone

8009959064

Tax Period

2022-01-01 to 2022-12-31

MOUNTAIN WEST CREDIT UNION ASSOCIATION, founded in 1969, is a community nonprofit that reported $3.4M in total revenue in fiscal year 2022. Revenue fell 40% from the prior year — a significant decline worth monitoring. Expenses of $4.8M exceeded revenue, resulting in a 42% operating deficit.

Mission

TO PROTECT, PROMOTE AND PERPETUATE THE CREDIT UNION MOVEMENT IN ARIZONA, COLORADO AND WYOMING.

🔒

Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

Sign in to view Trantor Score and financial metrics

Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2022)

Revenue Breakdown

Contributions & Grants $175,000

Program Service Revenue $2,828,358

Investment Income $352,708

Other Revenue $1,182

TOTAL REVENUE $3,357,248

Expense Breakdown

Grants Paid $5,500

Salaries & Benefits $1,631,488

Fundraising Expenses $0

Other Expenses $3,122,998

TOTAL EXPENSES $4,759,986

Year-over-Year Comparison

	2022	2021	Change
Revenue	$3,357,248	$5,605,169	-0.4%
Expenses	$4,759,986	$5,240,345	-0.1%
Net Income	$-1,402,738	$364,824	-4.8%

Key Indicators

✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✓ Schedule B Required

🔒

Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

Sign in to view all financial metrics

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

$1,766,396

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
TODD MARKSBERRY	CHAIRMAN	4.00	Director	$0	$0	$0
JAY CURTIS	VICE CHAIR	2.00	Director	$0	$0	$0
GREG MILLS	TREASURER	2.00	Director	$0	$0	$0
STEPHANIE TEUBNER	SECRETARY	2.00	Director	$0	$0	$0
JOHN UCHIDA	DIRECTOR	2.00	Director	$0	$0	$0
KERRY SPRADLING	DIRECTOR	2.00	Director	$0	$0	$0
RON WESTAD	DIRECTOR	2.00	Director	$0	$0	$0
RAY LANCASTER	DIRECTOR	2.00	Director	$0	$0	$0
JIM YATES	DIRECTOR	2.00	Director	$0	$0	$0
VANESSA TREXEL	DIRECTOR	2.00	Director	$0	$0	$0
CAROL ROBY	DIRECTOR	2.00	Director	$0	$0	$0
SCOTT EARL	PRESIDENT/CEO	20.00	Officer	$0	$561,882	$1,077,344
TIM DORE	SENIOR VP	28.00	Officer	$0	$88,917	$171,368
DAN SANTANGELO	SENIOR VP	40.00	Officer	$0	$23,293	$142,190
MARK ROBEY	SENIOR VP	24.00	Officer	$0	$2,792	$128,371
SHAUN ONGSTAD	SENIOR VP	20.00	Officer	$0	$5,239	$124,261
MIKE ATCHISON	SENIOR VP	40.00	Officer	$0	$5,400	$122,862
DIANA ADELL	DIRECTOR OF EVENTS	40.00	Highest	$0	$0	$132,782
JAQUETTA WARD	MANAGER	20.00	Highest	$0	$0	$121,039

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
2022	$3,357,248	$4,759,986	No data	$-1,402,738
2021	$5,605,169	$5,240,345	$19,431,586	$364,824
2020	$4,677,651	$4,671,065	$18,585,151	$6,586
2019	$5,036,966	$4,673,942	$18,411,880	$363,024
2018	$5,190,766	$4,428,586	$17,666,910	$762,180

MOUNTAIN WEST CREDIT UNION ASSOCIATION