CREDIT UNION OF THE ROCKIES

EIN: 840402825

GOLDEN, CO

Total Revenue
$6,765,669
Total Expenses
$6,338,784
Total Assets
$116,870,807
Net Assets
$11,973,236
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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
1937
Legal Domicile
CO
Principal Officer
PETER BULLARD
Phone
3032735200
Tax Period
2025-01-01 to 2025-12-31

CREDIT UNION OF THE ROCKIES, founded in 1937, is a community nonprofit that reported $6.8M in total revenue in fiscal year 2025. Revenue grew 8% year-over-year, indicating healthy expansion. Expenses of $6.3M left a modest 6% surplus.

Mission

OUR VISION IS TO BE THE FOREMOST PROVIDER OF FINANCIAL SOLUTIONS ENRICHING BOTH OUR MEMBERS' LIVES AND THE MOUNTAIN COMMUNITIES WE SERVE. OUR MISSION IS TO HELP OUR MEMBERS ACHIEVE THEIR FINANCIAL DREAMS, WHILE OUR ASPIRATION IS TO BECOME THE MORE TRUSTED SOURCE OF FINANCIAL SERVICES IN THE COLORADO ROCKY MOUNTAIN REGION.

Program Service Accomplishments

Program 1

PROVIDE A WIDE VARIETY OF FINANCIAL PRODUCTS AND SERVICES TO NEARLY 8,200 MEMBERS 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%)

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Financial Overview (2025)

Revenue Breakdown

Contributions & Grants $300,000
Program Service Revenue $5,340,936
Investment Income $1,108,592
Other Revenue $16,141
TOTAL REVENUE $6,765,669

Expense Breakdown

Grants Paid $0
Salaries & Benefits $2,884,088
Fundraising Expenses $0
Other Expenses $3,454,696
TOTAL EXPENSES $6,338,784

Year-over-Year Comparison

2025 2024 Change
Revenue $6,765,669 $6,241,142 +0.1%
Expenses $6,338,784 $6,047,591 +0.0%
Net Income $426,885 $193,551 +1.2%
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

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Governance

Voting Members
6
Independent Members
6
Employees
39
Volunteers
12

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
3
$579,144
Total Directors
6
$32,400
Key Employees
0
$0
Highest Compensated
0
reported
Name Title Hours/Week Role Reportable Comp Other Comp Total
MARTINA FERRIS CHAIRPERSON 1.00
Director
$5,400 $0 $5,400
DAVID REYNOLDS VICE CHAIRPERSON 0.50
Director
$5,400 $0 $5,400
WENDY DAVIS SECRETARY/TREASURER 0.50
Director
$5,400 $0 $5,400
THOMAS DAVIDSON DIRECTOR 0.50
Director
$5,400 $0 $5,400
ANDREW MCCABE DIRECTOR 0.50
Director
$5,400 $0 $5,400
MILFORD ADAMS DIRECTOR 0.50
Director
$5,400 $0 $5,400
PETER BULLARD PRESIDENT/CEO 50.00
Officer
$227,991 $20,741 $248,732
ROBERT BRUHN CFO 50.00
Officer
$150,103 $17,088 $167,191
KARRIE MARCHESE COO 50.00
Officer
$142,571 $20,650 $163,221
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 $6,765,669 $6,338,784 $116,870,807 $426,885
2024 No data No data No data No data
2023 $5,809,073 $5,528,733 $114,491,021 $280,340
2022 $5,012,668 $4,683,619 $124,187,200 $329,049
2021 $4,606,890 $4,637,145 $121,614,043 $-30,255
2020 $4,612,098 $5,007,159 $116,327,519 $-395,061
2019 $5,191,431 $4,784,941 $96,705,825 $406,490
2018 $4,797,305 $4,415,444 $95,070,246 $381,861
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