CREDIT UNIONS CHARTERED IN THE STATE OF COLORADO (EIN 840509784) - 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

1961

Legal Domicile

Phone

7195392968

Tax Period

2023-01-01 to 2023-12-31

CREDIT UNIONS CHARTERED IN THE STATE OF COLORADO, founded in 1961, is a community nonprofit that reported $1.6M in total revenue in fiscal year 2023. Revenue grew 17% year-over-year, indicating healthy expansion. Expenses of $1.5M left a modest 9% surplus.

Mission

Chartered Credit Union which provides affordable financial services to our membership both savings and loans.

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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 (2023)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $1,350,442

Investment Income $236,155

Other Revenue $4,993

TOTAL REVENUE $1,591,590

Expense Breakdown

Grants Paid $0

Salaries & Benefits $624,104

Fundraising Expenses $0

Program Expenses $0

Other Expenses $832,101

TOTAL EXPENSES $1,456,205

Year-over-Year Comparison

	2023	2022	Change
Revenue	$1,591,590	$1,359,620	+0.2%
Expenses	$1,456,205	$1,252,155	+0.2%
Net Income	$135,385	$107,465	+0.3%

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Alan Sulzenfuss	Treasurer Secretary	2.00	Director	$0	$0	$0
Dan Short	Vice Chair	2.00	Director	$0	$0	$0
Alan Hoch	Board Member	2.00	Director	$0	$0	$0
Russell Granzella	Chairman	2.00	Director	$0	$0	$0
Steve Jones	President CEO	40.00		$90,000	$0	$90,000

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
2023	$1,591,590	$1,456,205	$33,096,196	$135,385
2022	$1,359,620	$1,252,155	$32,023,498	$107,465
2021	$1,215,123	$1,210,155	$34,049,709	$4,968
2020	$1,126,207	$1,125,313	$28,052,496	$894

CREDIT UNIONS CHARTERED IN THE STATE OF COLORADO