NATIONAL ASSOCIATION OF CREDIT UNION SERVICE ORGANIZATIONS INC (EIN 954168424) - 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

1985

Legal Domicile

Principal Officer

MIRIAM ACKERMAN

Phone

6162098847

Tax Period

2024-01-01 to 2024-12-31

NATIONAL ASSOCIATION OF CREDIT UNION SERVICE ORGANIZATIONS INC, founded in 1985, is a community nonprofit that reported $1.6M in total revenue in fiscal year 2024. Expenses of $1.8M exceeded revenue, resulting in a 18% operating deficit.

Mission

THE MISSION OF THE NATIONAL ASSOCIATION OF CREDIT UNION SERVICE ORGANIZATIONS IS TO BE THE CATALYST FOR INSTITUTING COLLABORATION, INNOVATION, AND THE REINVENTION OF THE CREDIT UNION INDUSTRY.

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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 (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $1,523,714

Investment Income $32,736

Other Revenue $0

TOTAL REVENUE $1,556,450

Expense Breakdown

Grants Paid $0

Salaries & Benefits $663,083

Fundraising Expenses $0

Other Expenses $1,179,716

TOTAL EXPENSES $1,842,799

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,556,450	$1,625,727	0.0%
Expenses	$1,842,799	$1,600,341	+0.2%
Net Income	$-286,349	$25,386	-12.3%

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

$287,950

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
BECKY REED	CHAIR	2.00	Officer Director	$0	$0	$0
DEAN YOUNG	VICE-CHAIR	2.00	Officer Director	$0	$0	$0
NICK EVENS	SECRETARY	2.00	Officer Director	$0	$0	$0
BILL BEARDSLEY	TREASURER	2.00	Officer Director	$0	$0	$0
SETH BRICKMAN	DIRECTOR	1.00	Director	$0	$0	$0
BRAD CRANDALL	DIRECTOR	1.00	Director	$0	$0	$0
RAY CROUSE	DIRECTOR	1.00	Director	$0	$0	$0
PHIL DUPRESS	DIRECTOR	1.00	Director	$0	$0	$0
MIKE HAGGERTY	DIRECTOR	1.00	Director	$0	$0	$0
MARY BETH SPUCK	DIRECTOR	1.00	Director	$0	$0	$0
SCOTT COLLINS	DIRECTOR	1.00	Director	$0	$0	$0
MIRIAM ACKERMAN	DIRECTOR	1.00	Director	$0	$0	$0
JOHN JANCLAES	DIRECTOR (THRU APRIL 2024)	1.00	Director	$0	$0	$0
MATTHEW KARDELL	DIRECTOR (THRU FEBRUARY 2024)	1.00	Director	$0	$0	$0
RONALDO HARDY	PRESIDENT/CEO	36.00	Officer	$277,163	$10,787	$287,950

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	$1,556,450	$1,842,799	$936,179	$-286,349
2023	$1,625,727	$1,600,341	$1,342,795	$25,386
2022	$1,484,864	$1,264,737	$1,403,857	$220,127
2021	$1,227,487	$1,136,602	$1,145,817	$90,885
2020	$547,181	$623,486	$858,174	$-76,305
2019	$1,048,176	$977,524	$841,972	$70,652
2018	$913,218	$870,237	$787,729	$42,981

NATIONAL ASSOCIATION OF CREDIT UNION SERVICE ORGANIZATIONS INC