ROGUE CREDIT UNION

🔒

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

1956

Legal Domicile

Principal Officer

MATT STEPHENSON

Phone

8008567328

Tax Period

2023-01-01 to 2023-12-31

ROGUE CREDIT UNION, founded in 1956, is a major nonprofit that reported $190.1M in total revenue in fiscal year 2023. Revenue surged 35% from the prior year, signaling strong growth momentum. Expenses of $162.2M left a modest 15% surplus.

Mission

TO CREATE THE MOST LOYAL MEMBERS IN THE NATION BY PROVIDING EXCEPTIONAL EXPERIENCES THAT BUILD MUTUALLY BENEFICIAL RELATIONSHIPS.

Program Service Accomplishments

Program 1

CREATED A SOURCE OF CREDIT AT A FAIR AND REASONABLE RATE OF INTEREST AND PROVIDED AN OPPORTUNITY FOR MEMBERS TO USE AND CONTROL THEIR OWN MONEY IN ORDER TO IMPROVE THEIR ECONOMIC AND SOCIAL...

CREATED A SOURCE OF CREDIT AT A FAIR AND REASONABLE RATE OF INTEREST AND PROVIDED AN OPPORTUNITY FOR MEMBERS TO USE AND CONTROL THEIR OWN MONEY IN ORDER TO IMPROVE THEIR ECONOMIC AND SOCIAL CONDITION. PROFITS ARE RETURNED TO MEMBERS IN THE FORM OF BETTER RATES AND LOWER FEES. MEMBERS ARE REWARDED THROUGH ROGUE REWARDS FOR PARTICIPATION THROUGH LOANS, DEPOSITS AND TRANSACTIONS.

Program 2

N/A

Program 3

N/A

🔒

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 $152,996,061

Investment Income $37,100,539

Other Revenue $0

TOTAL REVENUE $190,096,600

Expense Breakdown

Grants Paid $362,193

Salaries & Benefits $57,961,295

Fundraising Expenses $0

Other Expenses $103,881,526

TOTAL EXPENSES $162,205,014

Year-over-Year Comparison

	2023	2022	Change
Revenue	$190,096,600	$141,160,770	+0.3%
Expenses	$162,205,014	$105,945,835	+0.5%
Net Income	$27,891,586	$35,214,935	-0.2%

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

807

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

$1,946,773

Total Directors

$148,321

Key Employees

$1,700,903

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
SMITH PHILIP	BOARD CHAIR	1.00	Officer Director	$25,000	$0	$25,000
JOHNSON HEATHER	BOARD VICE CHAIR	1.00	Officer Director	$21,000	$0	$21,000
ANGSTADT PETER	BOARD SECRETARY	1.00	Officer Director	$21,000	$0	$21,000
PALM ALEX M	BOARD TREASURER	1.00	Officer Director	$21,000	$0	$21,000
ITZEN NEIL	BOARD MEMBER	1.00	Director	$21,000	$0	$21,000
HUTCHINSON KATIE M	BOARD MEMBER	1.00	Director	$19,571	$0	$19,571
YASUDA ROGER	BOARD MEMBER	1.00	Director	$18,000	$0	$18,000
HAUCK GERALD	BOARD MEMBER THRU 01/23	1.00	Director	$1,750	$0	$1,750
STEPHENSON MATTHEW C	CHIEF EXECUTIVE OFFICER	50.00	Officer	$1,020,745	$316,257	$1,337,002
THURMAN BLAKE	CHIEF FINANCIAL OFFICER	50.00	Officer	$379,375	$142,396	$521,771
HEESE CHAD RICHARD	CHIEF LENDING AND STRATEGY OFFICER	50.00	Key Emp	$590,450	$110,109	$700,559
PICKENS JEANNE M	CHIEF OPERATIONS OFFICER	50.00	Key Emp	$371,648	$145,743	$517,391
ROBERSON JEFFRY DEE	CHIEF INFORMATION OFFICER	50.00	Key Emp	$366,521	$116,432	$482,953
ENGLAND KELLIE L	SVP OF MEMBER EXPERIENCE	50.00	Highest	$283,645	$95,487	$379,132
JOHNS TIMOTHY CHARLES	SVP OF INFORMATION TECHOLOGY SERVICES	50.00	Highest	$268,717	$93,883	$362,600
OVERTON TROY R	SVP OF CONSUMER AND MORTGAGE LENDING	50.00	Highest	$278,076	$84,151	$362,227
MULKINS SCOTT HAROLD	SVP OF ANALYTICS AND ENTERPRISE RISK	50.00	Highest	$255,804	$72,879	$328,683
DEBEIKES CHRISTOPHER JAMES	FINANCIAL ADVISOR	50.00	Highest	$279,308	$48,631	$327,939
PELHAM EUGENE L	FORMER CEO	0.00		$1,358,663	$22,400	$1,381,063

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	$190,096,600	$162,205,014	$3,362,829,205	$27,891,586
2022	$141,160,770	$105,945,835	$2,958,047,425	$35,214,935
2021	$136,267,424	$98,597,299	$2,944,952,062	$37,670,125
2020	$118,130,175	$85,780,481	$2,489,533,338	$32,349,694