AMERICA FIRST CREDIT UNION CHARITABLE FOUNDATION (EIN 842568867) - 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

2019

Legal Domicile

Principal Officer

Missy Key

Phone

8018278366

Tax Period

2023-01-01 to 2023-12-31

AMERICA FIRST CREDIT UNION CHARITABLE FOUNDATION, founded in 2019, is a small nonprofit in the Philanthropy & Grantmaking sector that reported $420K in total revenue in fiscal year 2023. The organization ran a surplus of $90K, a strong 22% operating margin.

Mission

The America First Credit Union Charitable Foundation grants financial assistance to organizations that provide outreach and support programs to communities in which the credit union operates. It also provides scholarship funds to individuals and other scholarship funds.

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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 $419,061

Program Service Revenue $0

Investment Income $585

Other Revenue $89

TOTAL REVENUE $419,735

Expense Breakdown

Grants Paid $329,321

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $329,321

Other Expenses $75

TOTAL EXPENSES $329,396

Year-over-Year Comparison

	2023	2022	Change
Revenue	$419,735	$392,169	+0.1%
Expenses	$329,396	$396,746	-0.2%
Net Income	$90,339	$-4,577	-20.7%

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

N/A

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
Kent Swenson	Board Member	1	Director	$0	$0	$0
Brodie Cook	Board Member	1	Director	$0	$0	$0
Nicole Young	Board Member	1	Director	$0	$0	$0
Zach Winegar	Board Member	1	Director	$0	$0	$0
Kent Streuling	Board Member	1	Director	$0	$0	$0
Tammy Gallegos	Board chair	2	Officer Director	$0	$0	$0
Missy Key	Treasurer	2	Officer Director	$0	$0	$0
Thayne Shaffer	President	1	Officer Director	$0	$0	$0
Amber Greenwell	Executive Director	30	Officer 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
2024	No data	No data	No data	No data
2023	$419,735	$329,396	$385,269	$90,339
2022	$392,169	$396,746	$422,155	$-4,577
2021	$436,478	$496,356	$385,023	$-59,878
2020	$785,765	$434,089	$351,676	$351,676
2020	$769,625	$434,089	$335,536	$335,536

AMERICA FIRST CREDIT UNION CHARITABLE FOUNDATION