AMERICA'S CHRISTIAN CREDIT UNION

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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

1958

Legal Domicile

Principal Officer

CINDY MORGAN

Phone

8003436328

Tax Period

2023-01-01 to 2023-12-31

AMERICA'S CHRISTIAN CREDIT UNION, founded in 1958, is a mid-sized nonprofit that reported $34.1M in total revenue in fiscal year 2023. Revenue surged 27% from the prior year, signaling strong growth momentum. Expenses of $29.2M left a modest 14% surplus.

Mission

TO PROVIDE FINANCIAL SERVICES TO THE COMMUNITY OF PEOPLE, CHURCHES AND ORGANIZATIONS WHO ALIGN THEMSELVES WITH THE WESLEYAN CHRISTIAN DOCTRINE.

Program Service Accomplishments

Program 1

TO ENCOURAGE BIBLICAL STEWARDSHIP AND TO REACH, SERVE, AND TEACH OUR MEMBERS. WE DO THIS BY PROVIDING FINANCIAL SERVICES INCLUDING SAVINGS DEPOSITS, CHECKING, AND ALL DEPOSIT RELATED SERVICES...

TO ENCOURAGE BIBLICAL STEWARDSHIP AND TO REACH, SERVE, AND TEACH OUR MEMBERS. WE DO THIS BY PROVIDING FINANCIAL SERVICES INCLUDING SAVINGS DEPOSITS, CHECKING, AND ALL DEPOSIT RELATED SERVICES, PROVIDING FINANCING THROUGH LOANS TO MEMBERS, AND BY EDUCATING MEMBERS IN RESPONSIBLE STEWARDSHIP PRINCIPLES.

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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 $30,201,011

Investment Income $3,677,313

Other Revenue $251,948

TOTAL REVENUE $34,130,272

Expense Breakdown

Grants Paid $142,353

Salaries & Benefits $11,311,499

Fundraising Expenses $0

Other Expenses $9,530,327

TOTAL EXPENSES $29,238,936

Year-over-Year Comparison

	2023	2022	Change
Revenue	$34,130,272	$26,929,371	+0.3%
Expenses	$29,238,936	$21,160,964	+0.4%
Net Income	$4,891,336	$5,768,407	-0.2%

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

133

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

$1,212,710

Total Directors

Key Employees

$265,525

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
VICKI VANNBERSTEIN	PRESIDENT & CEO	40.00	Officer	$646,358	$39,682	$686,040
PATRICK LANGILLE	SVP/COO	40.00	Officer	$248,036	$21,549	$269,585
CINDY MORGAN	CFO	40.00	Officer	$233,131	$23,954	$257,085
JERRY PHAM	VP/CHIEF INFORMATION OFFIC	40.00	Key Emp	$227,875	$37,650	$265,525
EVAMARIE PISANI	VP/CHIEF MEMBER SERVICES O	40.00	Highest	$194,963	$4,095	$199,058
SCOTT DEPRAT	VP DIGITAL PRODUCTS	40.00	Highest	$188,453	$22,454	$210,907
ANDREW CASANOVA	VP/CHIEF MEMBER ACQUISITIO	40.00	Highest	$189,016	$30,286	$219,302
CORY MILLER	VP CORPORATE LENDING	40.00	Highest	$173,642	$30,019	$203,661
GAIL CARDENAS	CHIEF HUMAN RESOURCE OFFICER	40.00	Highest	$172,872	$20,520	$193,392
NICOLETTE HARMS	SVP/CFO (TERM 8/12/22)	0.00		$117,928	$0	$117,928
BARBARA DICKERSON	CHAIR	2.00	Officer Director	$0	$0	$0
LISA PENBERTHY	VICE CHAIR	2.00	Officer Director	$0	$0	$0
JASON TAVAREZ	SECRETARY	2.00	Officer Director	$0	$0	$0
DAVID MORSE	TREASURER	2.00	Officer Director	$0	$0	$0
SYLVIA NASH	DIRECTOR	2.00	Director	$0	$0	$0
NATHANIEL SHINE	DIRECTOR	2.00	Director	$0	$0	$0
GEOFFREY FELLOWS	DIRECTOR	2.00	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
2024	No data	No data	No data	No data
2023	$34,130,272	$29,238,936	$643,303,273	$4,891,336
2022	$26,929,371	$21,160,964	$621,842,316	$5,768,407
2021	$24,733,288	$19,513,775	$610,952,696	$5,219,513
2020	$24,175,680	$22,609,932	$557,961,344	$1,565,748
2019	$22,866,921	$19,769,842	$434,718,302	$3,097,079
2018	$23,105,278	$19,403,304	$390,042,520	$3,701,974