OREGON COMMUNITY CREDIT UNION (EIN 930492535) - 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

1956

Legal Domicile

Principal Officer

RON NEUMANN

Phone

8664557438

Tax Period

2023-01-01 to 2023-12-31

OREGON COMMUNITY CREDIT UNION, founded in 1956, is a major nonprofit that reported $210.8M in total revenue in fiscal year 2023. Revenue surged 32% from the prior year, signaling strong growth momentum.

Mission

TO ASSIST OUR MEMBERS IN MAKING BENEFICIAL LONG-TERM FINANCIAL DECISIONS.

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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 $200,079,242

Investment Income $10,752,033

Other Revenue $0

TOTAL REVENUE $210,831,275

Expense Breakdown

Grants Paid $415,522

Salaries & Benefits $63,180,106

Fundraising Expenses $0

Other Expenses $146,063,744

TOTAL EXPENSES $209,659,372

Year-over-Year Comparison

	2023	2022	Change
Revenue	$210,831,275	$159,759,563	+0.3%
Expenses	$209,659,372	$129,830,645	+0.6%
Net Income	$1,171,903	$29,928,918	-1.0%

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

747

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

$1,757,306

Total Directors

$250,559

Key Employees

$1,922,332

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
BILL INGE	BOARD CHAIR	8.00	Officer Director	$35,760	$0	$35,760
JEANINE JENSEN	BOARD VICE CHAIR	8.00	Officer Director	$32,688	$0	$32,688
BEVERLY ANDERSON	BOARD SECRETARY	8.00	Officer Director	$29,789	$0	$29,789
GENEVIEVE PARKER	BOARD DIRECTOR	8.00	Director	$26,783	$0	$26,783
JACOB SIEGEL	BOARD DIRECTOR	8.00	Director	$26,116	$0	$26,116
THOMAS LARSON	BOARD DIRECTOR	8.00	Director	$25,783	$0	$25,783
BRANDON ROGERS	BOARD DIRECTOR	8.00	Director	$17,950	$0	$17,950
SCOTT SMITH	BOARD DIRECTOR	8.00	Director	$17,950	$0	$17,950
SAM KAMKAR	BOARD DIRECTOR AS OF 04/23	8.00	Director	$17,623	$0	$17,623
PHILLIP SMITH	BOARD DIRECTOR AS OF 04/23	8.00	Director	$11,967	$0	$11,967
JOHN GOGOL	BOARD DIRECTOR THRU 03/23	8.00	Director	$8,150	$0	$8,150
RONALD NEUMANN	PRESIDENT & CEO	50.00	Officer	$1,008,593	$60,096	$1,068,689
GREGORY SCHUMACHER	EXECUTIVE VICE PRESIDENT	50.00	Officer	$479,479	$110,901	$590,380
RUSSELL BERNARDO	CHIEF LENDING OFFICER THRU 07/23	50.00	Key Emp	$497,142	$43,332	$540,474
TRACEY KEFFER	CHIEF OPERATING OFFICER	50.00	Key Emp	$389,489	$94,248	$483,737
BRIAN ALFANO	CHIEF DIGITAL OFFICER	50.00	Key Emp	$359,471	$101,739	$461,210
HEATHER BILLINGS	CHIEF MARKETING OFFICER	50.00	Key Emp	$344,222	$92,689	$436,911
JOHN SCHIFFER	SVP OF FINANCE	50.00	Highest	$276,122	$63,111	$339,233
GREGORY YOUNG	VP OF INSURANCE SERVICES	50.00	Highest	$293,509	$41,248	$334,757
MATTHEW WILSON	SVP OF RISK & ADMINISTRATION	50.00	Highest	$264,228	$69,838	$334,066
ETHAN NELSON	SVP OF CREDIT ADMINISTRATION	50.00	Highest	$256,488	$70,306	$326,794
CHRISTOPHER WHITTAKER	SVP OF LENDING	50.00	Highest	$256,269	$45,885	$302,154

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	$210,831,275	$209,659,372	$3,335,054,668	$1,171,903
2022	$159,759,563	$129,830,645	$3,461,025,756	$29,928,918
2021	$182,242,816	$104,727,451	$2,826,121,126	$77,515,365
2020	$124,109,614	$95,470,651	$2,390,697,692	$28,638,963
2019	$102,367,460	$81,813,660	$1,889,089,537	$20,553,800
2018	$93,359,469	$74,324,644	$1,708,221,881	$19,034,825

OREGON COMMUNITY CREDIT UNION