ORLEX GOVERNMENT EMPLOYEES CREDIT UNION (EIN 030211553) - 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

1953

Legal Domicile

Principal Officer

JENNIE DION

Phone

8023345084

Tax Period

2025-01-01 to 2025-12-31

ORLEX GOVERNMENT EMPLOYEES CREDIT UNION, founded in 1953, is a small nonprofit that reported $478K in total revenue in fiscal year 2025. Revenue decreased 5% compared to the prior year. Expenses of $458K left a modest 4% surplus.

Mission

To provide thrift savings and borrowing to our members and to provide other financial services

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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 (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $451,971

Investment Income $23,417

Other Revenue $2,239

TOTAL REVENUE $477,627

Expense Breakdown

Grants Paid $0

Salaries & Benefits $228,737

Fundraising Expenses $0

Other Expenses $165,681

TOTAL EXPENSES $457,623

Year-over-Year Comparison

	2025	2024	Change
Revenue	$477,627	$502,879	-0.1%
Expenses	$457,623	$551,771	-0.2%
Net Income	$20,004	$-48,892	-1.4%

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JUDY JENNE	CEOMANAGER	36.00	Highest	$100,535	$10,919	$111,454
JENNIE A DION	PRESIDENT	0.00	Officer Director	$0	$0	$0
MARY FRANCES TROW	DIRECTOR	0.00	Officer Director	$0	$0	$0
SUZANNE FORTIN	SECRETARY	0.00	Officer Director	$0	$0	$0
JOHN WILDA	TREASURER	0.00	Officer Director	$0	$0	$0
DONALD HOWELL	DIRECTOR	0.00	Director	$0	$0	$0
PAULINE GAGE	DIRECTOR	0.00	Director	$0	$0	$0
MURIEL BROWN	VICE PRESIDENT	0.00	Director	$0	$0	$0
LEIGHANN CHAMPNEY	ASSISTANT MANAGER	0.00	Key Emp	$0	$0	$0
KAREN CAMBER	CLERK	0.00	Key Emp	$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	$477,627	$457,623	$6,699,729	$20,004
2024	$502,879	$551,771	$6,980,681	$-48,892
2023	$460,575	$496,331	$7,407,292	$-35,756
2022	$407,749	$384,987	$7,364,536	$22,762
2021	$422,432	$364,992	$7,679,547	$57,440
2020	$441,412	$404,795	$7,436,067	$36,617
2019	$447,395	$382,676	$6,154,022	$64,719

ORLEX GOVERNMENT EMPLOYEES CREDIT UNION