CREDIT UNIONS IN THE STATE OF ARIZONA (EIN 860143958) - 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

1971

Legal Domicile

Principal Officer

JUDY AUVIL

Phone

4809635661

Tax Period

2022-01-01 to 2022-08-31

CREDIT UNIONS IN THE STATE OF ARIZONA, founded in 1971, is a small nonprofit that reported $258K in total revenue in fiscal year 2021. Revenue decreased 17% compared to the prior year. Expenses of $899K exceeded revenue, resulting in a 249% operating deficit.

Mission

FINANCIAL COOPERATIVE OPERATED WITHOUT PROFIT FOR MUTUAL PURPOSES.

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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 (2021)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $150,037

Investment Income $24,836

Other Revenue $82,732

TOTAL REVENUE $257,605

Expense Breakdown

Grants Paid $594,110

Salaries & Benefits $113,184

Fundraising Expenses $0

Other Expenses $191,140

TOTAL EXPENSES $898,877

Year-over-Year Comparison

	2021	2020	Change
Revenue	$257,605	$311,722	-0.2%
Expenses	$898,877	$401,745	+1.2%
Net Income	$-641,272	$-90,023	+6.1%

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

$44,375

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
STEPHEN GALAS	CHAIR	5.00	Officer Director	$0	$0	$0
DENNIS BUSHONG	VICE CHAIR	3.00	Officer Director	$0	$0	$0
JOEL WIRTH	TREASURER	4.00	Officer Director	$0	$0	$0
LAURA METCALFE	SECRETARY	6.00	Officer Director	$0	$0	$0
SUSAN HORAN	DIRECTOR	3.00	Director	$0	$0	$0
KEVIN FAGAN	DIRECTOR	6.00	Director	$0	$0	$0
ROBERT GILLIS	DIRECTOR	3.00	Director	$0	$0	$0
JUDY AUVIL	PRESIDENT/CEO	45.00	Officer	$41,875	$2,500	$44,375

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
2022	$257,605	$898,877	No data	$-641,272
2021	$311,722	$401,745	$9,860,022	$-90,023
2020	$394,477	$433,054	$10,047,091	$-38,577
2019	$463,575	$451,868	$9,275,107	$11,707
2018	$497,458	$436,185	$9,818,689	$61,273

CREDIT UNIONS IN THE STATE OF ARIZONA