FOOTHILLS CREDIT UNION (EIN 840384061) - 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

1987

Legal Domicile

Principal Officer

MALLORY FISCHBACH

Phone

7209628200

Tax Period

2024-01-01 to 2024-12-31

FOOTHILLS CREDIT UNION, founded in 1987, is a community nonprofit that reported $9.2M in total revenue in fiscal year 2024. Revenue surged 24% from the prior year, signaling strong growth momentum.

Mission

EDUCATING INDIVIDUALS, EMPOWERING FAMILIES AND ENRICHING COMMUNITIES WITH EXCITING FINANCIAL SOLUTIONS. TO PROMOTE THRIFT AND PROVIDE LOWER COST CREDIT TO THE MEMBER OF THE CREDIT UNION.

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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 $7,670,676

Investment Income $1,293,937

Other Revenue $281,962

TOTAL REVENUE $9,246,575

Expense Breakdown

Grants Paid $0

Salaries & Benefits $2,687,846

Fundraising Expenses $0

Other Expenses $6,307,834

TOTAL EXPENSES $8,995,680

Year-over-Year Comparison

	2024	2023	Change
Revenue	$9,246,575	$7,437,953	+0.2%
Expenses	$8,995,680	$7,584,876	+0.2%
Net Income	$250,895	$-146,923	-2.7%

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

$664,274

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
AMIRA WATERS	DIRECTOR	1.00	Director	$0	$0	$0
DON LOMBARDI	DIRECTOR	1.00	Director	$0	$0	$0
JEFF STREETER	DIRECTOR	1.00	Director	$0	$0	$0
JON GROERICH	DIRECTOR	1.00	Director	$0	$0	$0
RUSS TABOR	DIRECTOR	1.00	Director	$0	$0	$0
PAM BALES	VICE-CHAIR	1.00	Officer Director	$0	$0	$0
DAN MCCASKY	TREASURER	1.00	Officer Director	$0	$0	$0
PHIL TENNEY	BOARD CHAIR	1.00	Officer Director	$0	$0	$0
SCOTT MCNEIL	PRESIDENT	40.00	Officer	$226,181	$19,853	$246,034
MALLORY FISCHBACH	CHIEF FINANCIAL OFFICER	40.00	Officer	$139,409	$15,096	$154,505
TIM CATTAU	CHIEF LENDING OFFICER	40.00	Officer	$139,739	$5,602	$145,341
MATTHEW LOGAN	CHIEF MARKETING OFFICER	40.00	Officer	$113,840	$4,554	$118,394

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	$9,246,575	$8,995,680	$161,291,668	$250,895
2023	$7,437,953	$7,584,876	$153,183,429	$-146,923
2022	$5,409,727	$6,300,313	$152,205,277	$-890,586
2021	$4,903,875	$4,797,075	$142,969,673	$106,800
2020	$5,032,529	$4,645,800	$127,282,077	$386,729
2019	$5,057,765	$4,150,990	$106,740,814	$906,775
2018	$4,546,654	$3,660,774	$101,462,570	$885,880

FOOTHILLS CREDIT UNION