Datcu

Nonprofit profile at a glance

Source: IRS Form 990. Selected filing: tax year 2025. Amounts in USD.

22 people listed

Source: IRS Form 990. Selected filing: tax year 2025. Names and roles reflect this filing, not necessarily current officeholders.

Our mission – do right by our members.

Loans of all types are made to members of the credit union.

Revenue model: Earned-program. 93% of the money available for current operations came from fees and other program 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 available evidence is not sufficient to produce an overall rating for this filing. This is not a warning sign.

Consistency checks: 90%; rating input score 90; 5th percentile among comparable filings
Pay-setting controls: 3 of 6 controls in place; rating input score 50
- Compensation committee: Missing
- Independent consultant: Missing
- Other Form 990s reviewed: Missing
- Written employment contract: Pass
- Compensation survey or study: Pass
- Board or committee approval: Pass
Foreign activity oversight: Limited
Grant itemization coverage: 63.8%; rating input score 64; 17th percentile among comparable filings
Major donor itemization: Limited
Related-party transparency: Yes; rating input score 100

Independent voting board: 100%; rating input score 100; 65th 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

Operating margin: 24.3%; rating input score 86; 86th percentile among comparable filings
Total-asset coverage ratio: 21.37; rating input score 95; 95th percentile among comparable filings
Liabilities to assets ratio: 0.84; rating input score 15; 15th percentile among comparable filings
Officer compensation ratio: 9.9%; rating input score 4; 4th percentile among comparable filings

Program expense growth: 5.8% per year; rating input score 100; 47th percentile among comparable filings
Revenue growth: 8.8% per year; rating input score 100; 66th percentile among comparable filings
Asset growth: 7.9% per year; rating input score 100; 57th percentile among comparable filings

What they do: 1 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: 6 of 6 board members independent · 6 of 9 filing controls reported
Programs: 3 filed program accomplishments
Leadership: top reported pay $1.7M · 22 people listed · 3 of 6 pay-setting controls reported
Consistency: 11 of 12 current checks pass · 1 finding to review
Schedules: 5 filed schedules · includes grants, executive pay, and related organizations
Filing history: 16 filing years from 2010 to 2025
Contacts: How to reach this organization
Money network: 26 filed money-flow records
Related organizations: 5 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.
Staff and benefit plans: Retirement and health plans the organization files with the Department of Labor, and the people in them.

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.
High — Sustainability: Officer compensation ratio scored 4/100.
High — Sustainability: Liabilities to assets ratio scored 15/100.