CREDIT UNIONS CHARTERED IN THE STATE OF COLORADO (EIN 840523624) - 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

1935

Legal Domicile

Principal Officer

Meagan Barrett

Phone

9703303900

Tax Period

2025-01-01 to 2025-12-31

CREDIT UNIONS CHARTERED IN THE STATE OF COLORADO, founded in 1935, is a community nonprofit that reported $3.7M in total revenue in fiscal year 2025. Expenses of $3.4M left a modest 10% surplus.

Mission

State Chartered 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 (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $2,668,495

Investment Income $1,060,637

Other Revenue $0

TOTAL REVENUE $3,729,132

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,012,589

Fundraising Expenses $0

Program Expenses $0

Other Expenses $2,344,057

TOTAL EXPENSES $3,356,646

Year-over-Year Comparison

	2025	2024	Change
Revenue	$3,729,132	$3,581,066	+0.0%
Expenses	$3,356,646	$3,521,729	0.0%
Net Income	$372,486	$59,337	+5.3%

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	Role	Reportable Comp	Other Comp	Total
Terry Urista	Board member	Director	$0	$0	$0
TIM O'TOOLE	BOARD MEMBER	Director	$0	$0	$0
Jim Welch	Board Member	Director	$0	$0	$0
Zerrick Shanks	Board Member	Director	$0	$0	$0
Brent Porter	Board Member	Director	$0	$0	$0
James Riesberg	Board Member	Director	$0	$0	$0

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	$3,729,132	$3,356,646	$73,930,869	$372,486
2024	$3,581,066	$3,521,729	$78,074,234	$59,337
2023	$2,877,582	$2,633,772	$78,385,139	$243,810
2022	$2,297,876	$2,101,913	$74,578,525	$195,963
2021	$2,401,731	$2,263,255	$72,481,215	$138,476
2020	$2,668,113	$2,646,693	$72,812,324	$21,420
2019	$2,716,132	$2,305,881	$63,679,866	$410,251
2018	$2,360,854	$2,077,675	$58,289,171	$283,179

CREDIT UNIONS CHARTERED IN THE STATE OF COLORADO