AdelFi Christian Banking
Legal name: Christian Community Credit Union
Nonprofit profile at a glance
- EIN
- 951981100
- IRS 990 coverage
- 2010–2024
- Official website data refreshed
- Sep 2026
- Forms available
- Form 990 2024
- Location
- San Dimas, CA, USA
- Phone
- 1-800-347-2228
- Rating confidence
- Limited
- Affiliation
- Christianity
Reported finances
- Revenue
- $42,678,422
- Expenses
- $40,058,540
- Assets
- $839,469,965
- Liabilities
- $729,327,383
Source: IRS Form 990. Selected filing: tax year 2024. Amounts in USD.
Leadership & pay
18 people listed
Executive titles in this filing
- STUART BLAIR KORSCHUN (PRESIDENT/CEO)
- JOHN WALLING (FORMER CEO)
Highest reported compensation
- STUART BLAIR KORSCHUN (PRESIDENT/CEO): $1,078,891 total reported compensation
- MARJORIE HUGHES (EVP/COO): $545,660 total reported compensation
- JASON THOMAS (SVP/CFO): $506,659 total reported compensation
Source: IRS Form 990. Selected filing: tax year 2024. Names and roles reflect this filing, not necessarily current officeholders.
Overview
Mission
To serve individuals, families, churches, and ministries with financial services that strengthen their financial foundation and expand their Kingdom impact.
What it reported doing in 2024
Christian community credit union (the credit union) offers a full range of banking services to its members, both retail and ministry. As of 12/31/24, our members had $723,516,888 on deposit in insured accounts in the credit union. The credit union had $95,259,372 in savings accounts, $223,193,261 in checking accounts, $153,342,017 in money market, and $251,722,238 in certificates of deposit and iras. The cost of funds at year-end on these accounts was 1.55%. The credit union began the year with 30,732 members and ended the year with 31,737 members for an increase of 1,005. The credit union had 29,490 in individual accounts and 2,247 in ministry & business accounts at year-end.
Operating model
- Revenue model
- Other-operating. 90% of the money available for current operations came from other operating revenue.
- Distribution model
- Cannot be determined from the filing. The filing does not provide enough consistent spending detail to tell whether the nonprofit works directly or through others.
The verdict
- The available evidence is not sufficient to produce an overall rating for this filing. This is not a warning sign.
Rating breakdown
- Financial Efficiency: NotEnoughData
- Transparency & Controls: 77
- Accountability: 76
- Sustainability: 58
- Growth: 60
Detailed rating inputs
Financial Efficiency
- Mission deployment rate: Limited
- Program expense ratio: Limited
- Fundraising efficiency: Limited
Transparency & Controls
- Consistency checks: 90%; rating input score 90; 3rd percentile among comparable filings
- Pay-setting controls: 4 of 6 controls in place; rating input score 67
- Compensation committee: Pass
- Independent consultant: Pass
- Other Form 990s reviewed: Missing
- Written employment contract: Missing
- Compensation survey or study: Pass
- Board or committee approval: Pass
- Foreign activity oversight: Limited
- Grant itemization coverage: 79.2%; rating input score 79; 16th percentile among comparable filings
- Major donor itemization: Limited
- Related-party transparency: Limited
Accountability
- Independent voting board: 83.3%; rating input score 83; 17th percentile among comparable filings
- Governance controls: 6 of 9 controls in place; rating input score 67
- Conflict-of-interest policy: Pass
- Whistleblower policy: Pass
- Document-retention policy: Pass
- CEO compensation review process: Pass
- Other executive compensation review process: Fail
- Form 990 shared with the board: Pass
- Board meeting minutes documented: Pass
- Audit committee oversight: Missing
- Independent financial-statement audit: Fail
Sustainability
- Operating margin: 6.1%; rating input score 57; 57th percentile among comparable filings
- Total-asset coverage ratio: 20.96; rating input score 97; 97th percentile among comparable filings
- Liabilities to assets ratio: 0.87; rating input score 11; 11th percentile among comparable filings
- Officer compensation ratio: 12.8%; rating input score 12; 12th percentile among comparable filings
Growth
- Program expense growth: Limited
- Revenue growth: 2% per year; rating input score 100; 18th percentile among comparable filings
- Asset growth: 4% per year; rating input score 100; 29th percentile among comparable filings
Details
- What they do: 4 programs and campaigns described on the official site · 1 operating location identified
- Where the money goes: Financial trends and filed revenue, expense, asset, and liability detail
- Governance: 5 of 6 board members independent · 6 of 9 filing controls reported
- Programs: 4 filed program accomplishments
- Leadership: top reported pay $1.1M · 18 people listed · 4 of 6 pay-setting controls reported
- Highest-paid contractors: 5 contractors listed · $4.1M reported
- Consistency: 10 of 11 current checks pass · 1 finding to review
- Schedules: 5 filed schedules · includes grants and executive pay
- Filing history: 14 filing years from 2010 to 2024
- Contacts: How to reach this organization
- Money network: 26 filed money-flow records
- Related organizations: 6 filed related-organization links
- Grant readiness: Federal tax and exclusion status, award history, and grant-maker relationships.
- People: Everyone the filings name, and which of them the filings identify by more than a name.
Key Signals
Signals prioritize questions for review. They are not findings of misconduct.
- Review — Accountability: Governance controls: 2 of 8 not reported.
- Review — Transparency & Controls: Domestic grant itemization did not reconcile in the filed values.
- Review — Sustainability: Operating margin scored 57/100.
- High — Sustainability: Liabilities to assets ratio scored 11/100.
- High — Sustainability: Officer compensation ratio scored 12/100.