ENT CREDIT UNION

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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

1991

Legal Domicile

Principal Officer

CHAD GRAVES

Phone

7195741100

Tax Period

2024-01-01 to 2024-12-31

ENT CREDIT UNION, founded in 1991, is a major nonprofit that reported $594.7M in total revenue in fiscal year 2024. Revenue grew 11% year-over-year, indicating healthy expansion. Expenses of $525.4M left a modest 12% surplus.

Mission

THE MISSION OF ENT CREDIT UNION IS TO IMPROVE MEMBERS' FINANCIAL QUALITY OF LIFE.

Program Service Accomplishments

Program 1

ENT CREDIT UNION SERVES 21 COUNTIES THROUGHOUT COLORADO, ALONG THE FRONT RANGE. THE CREDIT UNION IMPROVES OUR MEMBERS' FINANCIAL QUALITY OF LIFE BY OFFERING A FULL ARRAY OF PRODUCTS AND SERVICES...

ENT CREDIT UNION SERVES 21 COUNTIES THROUGHOUT COLORADO, ALONG THE FRONT RANGE. THE CREDIT UNION IMPROVES OUR MEMBERS' FINANCIAL QUALITY OF LIFE BY OFFERING A FULL ARRAY OF PRODUCTS AND SERVICES, INCLUDING DEPOSITORY AND LOAN PRODUCTS, ATM/DEBIT PROGRAM, FINANCIAL EDUCATION, INSURANCE, AND INVESTMENT SALES. WE ENDED THE YEAR WITH 556,751 MEMBERS. THERE WERE 67,592 LOANS GRANTED TOTALING $3,066,494,278. ENT CREDIT UNION CURRENTLY OFFERS 59 BRANCH LOCATIONS WITH A WIDE ARRAY OF REMOTE OPTIONS THROUGH OUR COOPERATION WITH THE COOP ATM NETWORK, SHARED BRANCH NETWORK, AND ONLINE MOBILE BANKING SOLUTIONS.

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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 $545,503,545

Investment Income $47,619,795

Other Revenue $1,572,039

TOTAL REVENUE $594,695,379

Expense Breakdown

Grants Paid $2,475,000

Salaries & Benefits $179,913,630

Fundraising Expenses $0

Other Expenses $343,021,601

TOTAL EXPENSES $525,410,231

Year-over-Year Comparison

	2024	2023	Change
Revenue	$594,695,379	$534,822,373	+0.1%
Expenses	$525,410,231	$474,438,526	+0.1%
Net Income	$69,285,148	$60,383,847	+0.1%

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

1779

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

$3,058,020

Total Directors

$633,508

Key Employees

$5,769,093

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
GRAVES CHAD M	PRESIDENT/CEO	40.00	Officer	$1,359,628	$536,288	$1,895,916
LECLERC DAN N	CHIEF FINANCIAL OFFICER	40.00	Officer	$585,356	$263,788	$849,144
GENDRON MATTHEW J	CHIEF ENGAGEMENT OFFICER	40.00	Key Emp	$999,623	$45,956	$1,045,579
SCHOLES RICHARD A	CHIEF EXPERIENCE OFFICER - PART YEAR	40.00	Key Emp	$884,243	$44,542	$928,785
CHIPPINDALE CHRISTOPHER	CHIEF EXPERIENCE OFFICER - PART YEAR	40.00	Key Emp	$516,488	$138,246	$654,734
BELL MOLLIE B	CHIEF DEVELOPMENT OFFICER	40.00	Key Emp	$735,146	$89,107	$824,253
MARSHALL CHRISTOPHER J	CHIEF TECHNOLOGY OFFICER	40.00	Key Emp	$763,399	$46,262	$809,661
SUSSMAN JENNIFER S	CHIEF MARKETING OFFICER - PART YEAR	40.00	Key Emp	$695,280	$132,804	$828,084
PAUKOVICH JON A	CHIEF LENDING OFFICER	40.00	Key Emp	$565,652	$112,345	$677,997
DOMBROWSKI STEPHANIE S	MORT LOAN OFFICER	40.00	Highest	$1,156,359	$50,397	$1,206,756
DUBOUE TANYA L	FINANCIAL ADVISOR SR	40.00	Highest	$473,803	$46,791	$520,594
KOURI JESSICA S	FINANCIAL ADVISOR SR	40.00	Highest	$455,760	$43,783	$499,543
FISTANI EUGENE A	FINANCIAL ADVISOR SR	40.00	Highest	$401,301	$50,118	$451,419
HARRIS MATTHEW E	FINANCIAL ADVISOR SR	40.00	Highest	$385,240	$40,075	$425,315
NICHOLSON PAMELA	BOARD CHAIR	1.00	Officer Director	$83,733	$0	$83,733
VADALA CHRIS	VICE CHAIRMAN	1.00	Officer Director	$77,918	$0	$77,918
GLOVER WALTER	TREASURER	1.00	Officer Director	$75,884	$0	$75,884
GALGANO JEFFREY	SECRETARY	1.00	Officer Director	$75,425	$0	$75,425
AYEN WILLIAM	DIRECTOR	1.00	Director	$77,672	$0	$77,672
DRUMMER TIMOTHY	DIRECTOR	1.00	Director	$72,803	$0	$72,803
FARMER SHANNA	DIRECTOR	1.00	Director	$55,000	$0	$55,000
HENZE KATRINA	DIRECTOR	1.00	Director	$71,875	$0	$71,875
IRIZARRY SARAH	DIRECTOR	1.00	Director	$43,198	$0	$43,198
MARTINEZ RON	DIRECTOR - PART YEAR	1.00		$35,750	$0	$35,750

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	$594,695,379	$525,410,231	$9,839,179,338	$69,285,148
2023	$534,822,373	$474,438,526	$9,792,983,683	$60,383,847
2022	$406,110,668	$334,117,318	$9,803,426,888	$71,993,350
2021	$326,625,920	$273,872,799	$8,749,547,485	$52,753,121
2020	$285,590,472	$253,933,673	$7,489,436,406	$31,656,799
2019	$285,571,543	$216,153,465	$6,685,914,011	$69,418,078
2018	$244,756,615	$186,430,088	$5,567,859,600	$58,326,527