WHITE RIVER CREDIT UNION

EIN: 030182263

ROCHESTER, VT

Total Revenue
$2,802,398
Total Expenses
$2,644,890
Total Assets
N/A
Net Assets
N/A
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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
1947
Legal Domicile
VT
Principal Officer
Wanda H Dunham
Phone
8027673333
Tax Period
2025-01-01 to 2025-10-31

WHITE RIVER CREDIT UNION, founded in 1947, is a community nonprofit that reported $2.8M in total revenue in fiscal year 2025. Revenue decreased 9% compared to the prior year. Expenses of $2.6M left a modest 6% surplus.

Mission

White River Credit Union is a member-owned financial institution providing varied financial services to members in a convenient and personal manner while maintaining long-term financial safety and stability.

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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%)

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Financial Overview (2025)

Revenue Breakdown

Contributions & Grants $0
Program Service Revenue $2,190,170
Investment Income $627,563
Other Revenue $-15,335
TOTAL REVENUE $2,802,398

Expense Breakdown

Grants Paid $0
Salaries & Benefits $756,554
Fundraising Expenses $0
Program Expenses $2,644,890
Other Expenses $1,888,336
TOTAL EXPENSES $2,644,890

Year-over-Year Comparison

2025 2024 Change
Revenue $2,802,398 $3,081,241 -0.1%
Expenses $2,644,890 $2,069,462 +0.3%
Net Income $157,508 $1,011,779 -0.8%
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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Governance

Voting Members
7
Independent Members
7
Employees
12
Volunteers
10

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
5
$134,075
Total Directors
7
$0
Key Employees
1
$134,075
Highest Compensated
1
reported
Name Title Hours/Week Role Reportable Comp Other Comp Total
Wanda Dunham CEO 55.00
Officer Key Emp Highest
$134,075 $0 $134,075
Andrew West Chairperson Board of Directors 0.50
Officer Director
$0 $0 $0
Nancy Harvey Vice Chairperson Board of Directors 0.50
Officer Director
$0 $0 $0
Diane Shepard Treasurer Board or Directors 0.50
Officer Director
$0 $0 $0
Priscilla Baker Secretary Board of Directors 0.50
Officer Director
$0 $0 $0
Mickaela Richardson Board Member 0.50
Director
$0 $0 $0
Faye Severy Board of Directors 0.50
Director
$0 $0 $0
William J Floyd III Director 0.50
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
2025 $2,802,398 $2,644,890 No data $157,508
2024 $3,081,241 $2,069,462 $49,498,527 $1,011,779
2023 $2,684,547 $1,850,339 $49,314,071 $834,208
2022 $2,078,194 $1,857,104 $51,325,995 $221,090
2021 $1,928,029 $1,638,616 $51,254,267 $289,413
2020 $1,936,617 $1,750,026 $47,845,959 $186,591
2019 $2,047,006 $1,846,488 $37,895,843 $200,518
2018 $1,909,475 $1,744,339 $36,554,111 $165,136
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