COPPER STATE CREDIT UNION (EIN 866050693) - Form 990 Financial Analysis & Trantor Score

🔒

Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

Sign in with your work email to view Tuckman-Chang indicators

Financial Trends

Organization Details

Formation Year

1951

Legal Domicile

Principal Officer

ROBERT SCOTT

Phone

6235803000

Tax Period

2023-01-01 to 2023-12-31

COPPER STATE CREDIT UNION, founded in 1951, is a mid-sized nonprofit that reported $33.9M in total revenue in fiscal year 2023. Revenue grew 19% year-over-year, indicating healthy expansion. Expenses of $32.4M left a modest 4% surplus.

Mission

OUR MISSION IS TO ENABLE OUR MEMBERFAMILIES TO ACHIEVE FINANCIAL PROSPERITY.

🔒

Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

Sign in to view Trantor Score and financial metrics

Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2023)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $31,314,474

Investment Income $2,575,256

Other Revenue $0

TOTAL REVENUE $33,889,730

Expense Breakdown

Grants Paid $0

Salaries & Benefits $11,322,352

Fundraising Expenses $0

Other Expenses $21,073,239

TOTAL EXPENSES $32,395,591

Year-over-Year Comparison

	2023	2022	Change
Revenue	$33,889,730	$28,591,696	+0.2%
Expenses	$32,395,591	$24,827,520	+0.3%
Net Income	$1,494,139	$3,764,176	-0.6%

Key Indicators

✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✗ Schedule B Required

🔒

Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

Sign in to view all financial metrics

Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

Governance

Voting Members

Independent Members

Employees

192

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

$684,123

Total Directors

$46,800

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JERRY HARTRIM	DIRECTOR	1.00	Director	$750	$0	$750
PAUL WATERMAN	TREASURER	1.00	Director	$3,800	$0	$3,800
ANDREW ROBERTS	CHAIRPERSON	1.00	Director	$6,000	$0	$6,000
ERICA GIBBONS	SECRETARY	1.00	Director	$3,550	$0	$3,550
ROGER ZOLLINGER	DIRECTOR	1.00	Director	$850	$0	$850
ROBERT STADNIK	COMMITTEE MEMBER	1.00	Director	$1,750	$0	$1,750
MELANIE MERRILL	DIRECTOR	1.00	Director	$3,750	$0	$3,750
DENNIS MCDONALD	VICE CHAIRPERSON	1.00	Director	$3,550	$0	$3,550
TILLIE JONES	DIRECTOR	1.00	Director	$3,000	$0	$3,000
STEVE WOLFE	DIRECTOR	1.00	Director	$750	$0	$750
JANET BURGETT MARTIN	DIRECTOR	1.00	Director	$3,150	$0	$3,150
ALBERT DUBOWA	COMMITTEE VICE CHAIRPERSON	1.00	Director	$2,000	$0	$2,000
DAVID MATSON	COMMITTEE CHAIRPERSON	1.00	Director	$1,900	$0	$1,900
HARSHAD DESAI	COMMITTEE MEMBER	1.00	Director	$1,500	$0	$1,500
LUPE HARRIGER	COMMITTEE MEMBER	1.00	Director	$2,000	$0	$2,000
FRANK MARTINSON	COMMITTEE MEMBER	1.00	Director	$2,000	$0	$2,000
WING-HO CHOI	ASSOCIATE BOARD MEMBER	1.00	Director	$2,800	$0	$2,800
MICHAEL JOSEPH	ASSOCIATE BOARD MEMBER	1.00	Director	$2,800	$0	$2,800
COLLEEN CURTIS MILLER	ASSOCIATE BOARD MEMBER	1.00	Director	$900	$0	$900
ROBERT SCOTT	PRESIDENT/CEO	50.00	Officer	$452,703	$40,187	$492,890
DAVID SKILTON	CHIEF FINANCIAL OFFICER	50.00	Officer	$173,361	$17,872	$191,233
TERESA TROSTEL	CHIEF INFORMATION OFFICER	50.00	Highest	$156,622	$25,868	$182,490
JUSTIN WOLFE	CHIEF RETAIL OPERATIONS OFFICER	50.00	Highest	$150,659	$21,671	$172,330
GREGORY ALBANO	CHIEF TECHNOLOGY OFFICER	50.00	Highest	$196,360	$490,148	$686,508
RICHARD REILEY	CHIEF LENDING OFFICER	50.00	Highest	$184,602	$23,648	$208,250
AMY SINGPRADITH	CHIEF HR OFFICER	50.00	Highest	$165,426	$32,204	$197,630

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	$33,889,730	$32,395,591	$600,490,503	$1,494,139
2022	$28,591,696	$24,827,520	$609,482,997	$3,764,176
2021	$24,147,951	$23,249,594	$599,418,560	$898,357
2020	$24,295,678	$24,768,262	$529,568,174	$-472,584
2019	$15,745,739	$13,610,952	$435,266,774	$2,134,787
2018	$10,968,236	$10,553,448	$193,259,289	$414,788

COPPER STATE CREDIT UNION