Arizona Financial Credit Union (EIN 860101004) - 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

2022

Legal Domicile

Phone

6026831160

Tax Period

2023-01-01 to 2023-12-31

Arizona Financial Credit Union, founded in 2022, is a major nonprofit in the Public & Societal Benefit sector that reported $204.2M in total revenue in fiscal year 2023. Revenue surged 155% from the prior year, signaling strong growth momentum. The organization ran a surplus of $36.3M, a strong 18% operating margin.

Mission

The purpose of Arizona Financial Credit Union is to promote thrift and to provide credit to its 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 (2023)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $164,491,472

Investment Income $34,325,289

Other Revenue $5,401,941

TOTAL REVENUE $204,218,702

Expense Breakdown

Grants Paid $189,323

Salaries & Benefits $74,189,585

Fundraising Expenses $0

Program Expenses $0

Other Expenses $93,538,575

TOTAL EXPENSES $167,917,483

Year-over-Year Comparison

	2023	2022	Change
Revenue	$204,218,702	$80,017,866	+1.6%
Expenses	$167,917,483	$64,824,348	+1.6%
Net Income	$36,301,219	$15,193,518	+1.4%

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

798

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

$1,243,510

Total Directors

$21,186

Key Employees

$4,913,416

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
N/A	Board Vice chairperson	3.0	Officer Director	$0	$0	$0
N/A	Board Secretary	3.0	Officer Director	$0	$0	$0
N/A	Board Chairperson	3.0	Officer Director	$0	$0	$0
N/A	Board Treasurer	3.0	Officer Director	$0	$0	$0
N/A	Board Member	3.0	Director	$18,000	$0	$18,000
N/A	Board Member	3.0	Director	$0	$0	$0
N/A	Board Member	3.0	Director	$0	$0	$0
N/A	BOARD MEMBER (PARTIAL YEAR)	3.0	Director	$0	$0	$0
N/A	Board Member	3.0	Director	$0	$0	$0
N/A	BOARD MEMBER (PARTIAL YEAR)	3.0	Director	$0	$0	$0
N/A	Board Member	3.0	Director	$3,186	$0	$3,186
N/A	President/CEO	40.0	Officer	$645,144	$229,738	$874,882
N/A	SVP & CFO	40.0	Officer	$270,445	$98,183	$368,628
N/A	EVP & Chief Operating Officer	40.0	Key Emp	$344,587	$178,956	$523,543
N/A	SVP Residential Lending	40.0	Key Emp	$425,070	$122,409	$547,479
N/A	EVP & Chief Strategy Officer	40.0	Key Emp	$441,092	$100,673	$541,765
N/A	EVP & Chief People and Culture Officer	40.0	Key Emp	$316,853	$92,356	$409,209
N/A	Arizona Market President & Chief Lending Officer	40.0	Key Emp	$438,676	$138,408	$577,084
N/A	Advisor	40.0	Key Emp	$1,338,714	$30,924	$1,369,638
N/A	SVP & Chief Credit Officer	40.0	Key Emp	$320,913	$97,419	$418,332
N/A	SVP & Commercial Lending	40.0	Key Emp	$423,463	$102,903	$526,366
N/A	General Counsel & Chief Compliance Officer	40.0	Highest	$287,657	$62,145	$349,802
N/A	Director of Gov. Guaranteed Loan Production	40.0	Highest	$287,921	$42,236	$330,157
N/A	SVP & Member Services	40.0	Highest	$304,339	$133,687	$438,026
N/A	Investment Representative	40.0	Highest	$293,827	$36,275	$330,102
N/A	Commercial Loan Officer	40.0	Highest	$294,850	$40,644	$335,494

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	$204,218,702	$167,917,483	$3,314,738,957	$36,301,219
2022	$80,017,866	$64,824,348	$3,171,193,266	$15,193,518

Arizona Financial Credit Union