CENTRAL WILLAMETTE CREDIT UNION (EIN 930496543) - 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

1955

Legal Domicile

Principal Officer

STACIE WYSS-SCHOENBORN

Phone

5419176801

Tax Period

2023-01-01 to 2023-12-31

CENTRAL WILLAMETTE CREDIT UNION, founded in 1955, is a mid-sized nonprofit that reported $30.0M in total revenue in fiscal year 2023. Revenue grew 16% year-over-year, indicating healthy expansion. The organization ran a surplus of $5.0M, a strong 17% operating margin.

Mission

PROVIDE SIMPLIFIED ACCESS TO AFFORDABLE FINANCIAL SERVICES.

🔒

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 $495,000

Program Service Revenue $26,612,271

Investment Income $1,663,626

Other Revenue $1,184,536

TOTAL REVENUE $29,955,433

Expense Breakdown

Grants Paid $74,893

Salaries & Benefits $10,464,867

Fundraising Expenses $0

Other Expenses $14,390,412

TOTAL EXPENSES $24,930,172

Year-over-Year Comparison

	2023	2022	Change
Revenue	$29,955,433	$25,725,776	+0.2%
Expenses	$24,930,172	$18,813,531	+0.3%
Net Income	$5,025,261	$6,912,245	-0.3%

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

174

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

$1,452,250

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JIM HEALY	DIRECTOR	2.00	Director	$0	$0	$0
STEVE UERLINGS	CHAIR	3.00	Officer Director	$0	$0	$0
TOM CUTSFORTH	DIRECTOR	2.00	Director	$0	$0	$0
MARTY CAHILL	SECRETARY	3.00	Officer Director	$0	$0	$0
MARK YEAGER	DIRECTOR	2.00	Director	$0	$0	$0
GREG HAMANN	DIRECTOR	2.00	Director	$0	$0	$0
CAROLINA VALLADARES	BOARD VICE CHAIR	3.00	Officer Director	$0	$0	$0
HELEN HIGGINS	DIRECTOR	2.00	Director	$0	$0	$0
SALLY BOVETT	DIRECTOR	2.00	Director	$0	$0	$0
STACIE WYSS-SCHOENBORN	CEO & PRESIDENT	50.00	Officer	$408,210	$9,912	$418,122
RACHEL WOLFE	CLO	50.00	Officer	$200,189	$7,982	$208,171
JOEY RUDISILL	CIO	50.00	Officer	$217,144	$7,574	$224,718
DEWAYNE LEDBETTER	CFO	50.00	Officer	$238,217	$8,105	$246,322
DAVE DESEMPLE	CHIEF EXPERIENCE OFFICER	50.00	Officer	$168,013	$6,961	$174,974
DAVID DIRKS	CMO	50.00	Officer	$179,943	$0	$179,943
GRADY CORR	INFORMATION SECURITY OFFIC	50.00	Highest	$140,112	$0	$140,112
BRYAN BLAIR	SENIOR IT SYSTEMS ENGINEER	50.00	Highest	$130,598	$5,275	$135,873
VERONICA BRUNER	HR MANAGER	50.00	Highest	$131,067	$5,301	$136,368
SHAWNA BONABY	CONTROLLER	50.00	Highest	$129,475	$3,202	$132,677
REBECCA TOLENTINO	DIRECTOR OF BUSINESS SERVICES	50.00	Highest	$124,182	$5,082	$129,264

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	$29,955,433	$24,930,172	$519,423,795	$5,025,261
2022	$25,725,776	$18,813,531	$515,430,336	$6,912,245
2021	$21,128,813	$15,539,374	$480,185,981	$5,589,439
2020	$19,246,357	$15,450,045	$410,642,473	$3,796,312
2019	$19,764,575	$15,910,247	$338,302,075	$3,854,328
2018	$16,430,473	$14,387,863	$312,231,135	$2,042,610

CENTRAL WILLAMETTE CREDIT UNION