COMPASS COMMUNITY CREDIT UNION (EIN 941265580) - 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

1951

Legal Domicile

Principal Officer

Ray Litchfield

Phone

7074438662

Tax Period

2025-01-01 to 2025-12-31

COMPASS COMMUNITY CREDIT UNION, founded in 1951, is a community nonprofit that reported $8.1M in total revenue in fiscal year 2025. Revenue grew 16% year-over-year, indicating healthy expansion. Expenses of $7.7M left a modest 6% surplus.

Mission

Non-profit State Chartered Natural Person credit union. Providing competitively priced financial services to members.

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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 (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $5,993,321

Investment Income $1,621,802

Other Revenue $494,412

TOTAL REVENUE $8,109,535

Expense Breakdown

Grants Paid $0

Salaries & Benefits $2,851,970

Fundraising Expenses $0

Program Expenses $7,654,708

Other Expenses $1,976,076

TOTAL EXPENSES $7,654,708

Year-over-Year Comparison

	2025	2024	Change
Revenue	$8,109,535	$7,012,318	+0.2%
Expenses	$7,654,708	$7,582,070	+0.0%
Net Income	$454,827	$-569,752	-1.8%

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

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

$895,158

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Ray Litchfield	CEO	40.00	Officer	$440,361	$0	$440,361
Pamela Turner	EVP	40.00	Officer	$252,925	$0	$252,925
Christopher Olson	SVP-Retail Banking	40.00	Officer	$201,872	$0	$201,872
Bruce Lund	AVP- Marketing and Retail Banking	40.00	Highest	$120,775	$0	$120,775
Megan Binschus	AVP-Retail Lending	40.00	Highest	$121,615	$0	$121,615
Jaime Johnson	AVP-Risk Management	40.00	Highest	$103,703	$0	$103,703
Dax Williamson	Board Chair	1.00	Director	$0	$0	$0
Wyatt Kneaper	Board Vice Chair	1.00	Director	$0	$0	$0
Joan Tyson	Board Secretary	1.00	Director	$0	$0	$0
Patricia Sundberg	Director	1.00	Director	$0	$0	$0
Annalise von Borstel	Director	1.00	Director	$0	$0	$0
Ross Creech	Director	1.00	Director	$0	$0	$0
Kelly Barns	Director	1.00	Director	$0	$0	$0

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	$8,109,535	$7,654,708	$177,787,883	$454,827
2024	No data	No data	No data	No data
2023	$6,237,895	$6,404,289	$173,064,752	$-166,394
2022	$5,014,828	$4,772,039	$175,987,436	$242,789
2021	$4,441,393	$4,329,728	$176,511,367	$111,665
2021	$4,143,497	$4,319,727	$176,511,367	$-176,230
2020	$4,408,092	$4,612,458	$166,676,837	$-204,366
2019	$4,315,421	$4,470,505	$146,070,263	$-155,084

COMPASS COMMUNITY CREDIT UNION