AMERICAN CREDIT UNION MORTGAGE ASSN (EIN 954573503) - 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

1996

Legal Domicile

Principal Officer

PETER BENJAMIN

Phone

8774422862

Tax Period

2024-01-01 to 2024-12-31

AMERICAN CREDIT UNION MORTGAGE ASSN, founded in 1996, is a community nonprofit that reported $2.9M in total revenue in fiscal year 2024. Revenue grew 17% year-over-year, indicating healthy expansion. Expenses of $2.7M left a modest 7% surplus.

Mission

TO PROMOTE REAL ESTATE LENDING IN 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 $2,838,913

Investment Income $45,846

Other Revenue $2,224

TOTAL REVENUE $2,886,983

Expense Breakdown

Grants Paid $2,500

Salaries & Benefits $1,047,738

Fundraising Expenses $0

Other Expenses $1,627,728

TOTAL EXPENSES $2,677,966

Year-over-Year Comparison

	2024	2023	Change
Revenue	$2,886,983	$2,472,257	+0.2%
Expenses	$2,677,966	$2,166,456	+0.2%
Net Income	$209,017	$305,801	-0.3%

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

$369,139

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
AMY MOSER	CHAIR	2.00	Officer Director	$0	$0	$0
ALISSA SYKES-TULLOCH	VICE CHAIR	1.00	Officer Director	$0	$0	$0
JASON SASENA	TREASURER	0.50	Officer Director	$0	$0	$0
JULIE BOWERING	DIRECTOR	0.50	Director	$0	$0	$0
VINCE SALINAS	DIRECTOR	0.50	Director	$0	$0	$0
BARRY STRICKLIN	DIRECTOR	0.50	Director	$0	$0	$0
BRANDON WEBB	DIRECTOR	0.50	Director	$0	$0	$0
PETER BENJAMIN	PRESIDENT	40.00	Officer	$347,277	$21,862	$369,139
KRISTA KORFMACHER	DIRECTOR OF EVENTS	40.00	Highest	$174,121	$18,516	$192,637
JUSTIN HAWKINS	DIRECTOR OF MARKETING	40.00	Highest	$148,629	$13,491	$162,120

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	$2,886,983	$2,677,966	$1,714,388	$209,017
2023	$2,472,257	$2,166,456	$1,487,556	$305,801
2022	$2,158,164	$2,115,004	$1,379,552	$43,160
2021	$1,242,773	$1,059,641	$1,032,143	$183,132
2020	$896,400	$837,200	$779,011	$59,200
2019	$1,459,012	$1,504,604	$818,087	$-45,592
2018	$1,449,350	$1,345,628	$902,110	$103,722

AMERICAN CREDIT UNION MORTGAGE ASSN