ONPOINT COMMUNITY CREDIT UNION (EIN 930257765) - 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

1932

Legal Domicile

Principal Officer

ROBERT STUART

Phone

5032731764

Tax Period

2024-01-01 to 2024-12-31

ONPOINT COMMUNITY CREDIT UNION, founded in 1932, is a major nonprofit that reported $556.2M in total revenue in fiscal year 2024. Revenue surged 26% from the prior year, signaling strong growth momentum. The organization ran a surplus of $124.7M, a strong 22% operating margin.

Mission

PROMOTE THE FINANCIAL WELL-BEING OF CREDIT UNION MEMBERS THROUGH FINANCIAL PRODUCTS AND SERVICES.

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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 $416,484,555

Investment Income $139,736,548

Other Revenue $0

TOTAL REVENUE $556,221,103

Expense Breakdown

Grants Paid $14,036,639

Salaries & Benefits $139,603,362

Fundraising Expenses $0

Other Expenses $277,838,280

TOTAL EXPENSES $431,478,281

Year-over-Year Comparison

	2024	2023	Change
Revenue	$556,221,103	$440,500,839	+0.3%
Expenses	$431,478,281	$325,109,622	+0.3%
Net Income	$124,742,822	$115,391,217	+0.1%

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

1393

Volunteers

N/A

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

$5,134,849

Total Directors

$625,523

Key Employees

$6,371,548

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
K DURHAM	DIRECTOR	6.50	Director	$91,616	$0	$91,616
K THOMAJAN	DIRECTOR	6.50	Director	$71,606	$0	$71,606
D NAKATA	BOARD CHAIR	13.00	Officer Director	$71,514	$0	$71,514
M MROCZEK	DIRECTOR	6.50	Director	$69,114	$0	$69,114
M DAMM	DIRECTOR	6.50	Director	$67,096	$0	$67,096
M WILLER	BOARD SECRETARY	6.50	Officer Director	$65,164	$0	$65,164
A SLAGLE	BOARD VICE CHAIR	6.50	Officer Director	$65,000	$0	$65,000
F TRIPP	DIRECTOR	6.50	Director	$64,413	$0	$64,413
G CHANDLER	DIRECTOR	6.50	Director	$60,000	$0	$60,000
R STUART	PRESIDENT/CEO	50.00	Officer	$2,279,673	$280,659	$2,560,332
J HUNT	SVP/CHIEF FINANCIAL OFFICER	45.00	Officer	$1,089,114	$167,334	$1,256,448
S LEUGERS	SVP/CHIEF LENDING OFFICER	45.00	Officer	$970,703	$145,688	$1,116,391
T MCVAY	SVP/CHIEF RETAIL OFFICER	45.00	Key Emp	$1,025,851	$166,592	$1,192,443
J ARMSTRONG	SVP/CHIEF OPERATIONS OFFICER	45.00	Key Emp	$929,506	$152,362	$1,081,868
T CLEVENGER	SVP/CHIEF MARKETING OFFICER	45.00	Key Emp	$681,239	$140,167	$821,406
W OLIVER	SVP/CHIEF LEGAL OFFICER	45.00	Key Emp	$652,179	$132,550	$784,729
C ANDERSON	SVP/CHIEF RISK OFFICER	45.00	Key Emp	$648,068	$127,800	$775,868
P GROMAN	SVP/CHIEF PEOPLE OFFICER	45.00	Key Emp	$622,535	$135,033	$757,568
B HARDING	SVP/CHIEF COMMERCIAL OFFICER	45.00	Key Emp	$445,677	$133,117	$578,794
D LAVIOLETTE	SVP/CHIEF INFORMATION OFFICER	45.00	Key Emp	$344,578	$34,294	$378,872
A EMERSON	VP/ONPOINT MORTGAGE	45.00	Highest	$502,128	$129,884	$632,012
M LINDAY-LIPKINS	VP/ONPOINT INVESTMENT SERVICES	45.00	Highest	$435,422	$45,050	$480,472
D BARTOSZ	FINANCIAL ADVISOR	45.00	Highest	$413,831	$57,430	$471,261
M CASIANO	MORTGAGE LOAN OFFICER	45.00	Highest	$415,906	$49,871	$465,777
N BERNING	FINANCIAL ADVISOR	45.00	Highest	$409,961	$45,050	$455,011

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	$556,221,103	$431,478,281	$9,711,312,299	$124,742,822
2023	$440,500,839	$325,109,622	$8,738,629,867	$115,391,217
2022	$325,450,246	$220,810,338	$8,925,586,538	$104,639,908
2021	$300,691,175	$219,794,045	$9,040,369,064	$80,897,130
2020	$316,165,709	$219,345,726	$7,902,214,326	$96,819,983
2019	$277,445,977	$177,423,005	$6,130,686,655	$100,022,972
2018	$237,149,429	$157,111,559	$5,392,942,516	$80,037,870

ONPOINT COMMUNITY CREDIT UNION