CREDIT UNIONS CHARTERED IN THE STATE OF COLORADO (EIN 840528869) - 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

1959

Legal Domicile

Principal Officer

Laura Schell

Phone

7195896535

Tax Period

2024-01-01 to 2024-12-31

CREDIT UNIONS CHARTERED IN THE STATE OF COLORADO, founded in 1959, is a small nonprofit that reported $454K in total revenue in fiscal year 2024. Revenue grew 12% year-over-year, indicating healthy expansion. The organization ran a surplus of $131K, a strong 29% operating margin.

Mission

State Chartered Credit Union provide checking savings and loans to members

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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 $454,265

Investment Income $0

Other Revenue $0

TOTAL REVENUE $454,265

Expense Breakdown

Grants Paid $0

Salaries & Benefits $178,626

Fundraising Expenses $0

Program Expenses $0

Other Expenses $144,571

TOTAL EXPENSES $323,197

Year-over-Year Comparison

	2024	2023	Change
Revenue	$454,265	$405,479	+0.1%
Expenses	$323,197	$280,548	+0.2%
Net Income	$131,068	$124,931	+0.0%

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

N/A

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

$67,059

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Joe Montano	Chairman	1.00	Director	$0	$0	$0
Joseph Kolupke	Vice Chairman	1.00	Director	$0	$0	$0
Gary Godwin	Secretary	1.00	Director	$0	$0	$0
Lisa Absmier	Member	1.00	Director	$0	$0	$0
Beatrice Alanis	Member	1.00	Director	$0	$0	$0
Rachel Vance	Member	1.00	Director	$0	$0	$0
Laura Schell	Treasurer	1.00	Key Emp	$67,059	$0	$67,059

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	No data	No data	No data	No data
2024	$454,265	$323,197	$5,941,034	$131,068
2023	$405,479	$280,548	$5,771,218	$124,931
2022	$410,696	$276,588	$5,862,063	$134,108
2021	$417,890	$286,630	$6,279,764	$131,260
2020	$369,756	$279,898	$6,012,111	$89,858
2019	$361,186	$292,947	$5,216,510	$68,239
2018	$324,227	$286,502	$4,588,028	$37,725

CREDIT UNIONS CHARTERED IN THE STATE OF COLORADO