ARRHA CREDIT UNION (EIN 041859690) - 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

1929

Legal Domicile

Principal Officer

MICHAEL S OSTROWSKI

Phone

8777329812

Tax Period

2025-01-01 to 2025-12-31

ARRHA CREDIT UNION, founded in 1929, is a community nonprofit that reported $8.0M in total revenue in fiscal year 2025. Revenue grew 16% year-over-year, indicating healthy expansion. Expenses of $10.0M exceeded revenue, resulting in a 25% operating deficit.

Mission

ASSIST OUR MEMBERS IN REACHING THEIR FINANCIAL GOALS BY PROVIDING SUPERIOR PRODUCTS AND SERVICES IN A PERSONALIZED MANNER.

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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 $6,847,456

Investment Income $1,089,989

Other Revenue $82,228

TOTAL REVENUE $8,019,673

Expense Breakdown

Grants Paid $0

Salaries & Benefits $3,978,023

Fundraising Expenses $0

Program Expenses $9,989,372

Other Expenses $6,011,349

TOTAL EXPENSES $9,989,372

Year-over-Year Comparison

	2025	2024	Change
Revenue	$8,019,673	$6,925,963	+0.2%
Expenses	$9,989,372	$7,110,615	+0.4%
Net Income	$-1,969,699	$-184,652	+9.7%

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

$2,269,078

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CHRISTOPHER THOMPSON	VICE CHAIRMAN	1.00	Officer Director	$0	$0	$0
TODD CIEPLINSKI	CHAIRMAN	1.00	Officer Director	$0	$0	$0
CHRISTINE WEBSTER	DIRECTOR	1.00	Director	$0	$0	$0
SCOTT SEIFEL	DIRECTOR	1.00	Director	$0	$0	$0
JODI TURATI	DIRECTOR	1.00	Director	$0	$0	$0
CORT DUDA	DIRECTOR	1.00	Director	$0	$0	$0
DHAVAL PATEL	DIRECTOR	1.00	Director	$0	$0	$0
ELIZABETH LEWIS	SECRETARY	1.00	Officer Director	$0	$0	$0
PETER ALBERICI	DIRECTOR	1.00	Director	$0	$0	$0
ALISON HARLAND	VICE PRESIDENT OF OPERATIO	40.00	Officer	$158,821	$23,306	$182,127
MICHAEL OSTROWSKI	PRESIDENT AND CEO	40.00	Officer	$791,958	$46,727	$838,685
ROBERT CIRACO	EXECUTIVE VICE PRESIDENT,	40.00	Officer	$177,185	$39,170	$216,355
ANTHONY FRANCO	VICE PRESIDENT COMMERCIAL	40.00	Officer	$156,019	$28,295	$184,314
ANDY WALL	VP, COMMERCIAL LENDING	40.00	Officer	$153,062	$1,914	$154,976
HARRY MOORE III	CFO	40.00	Officer	$686,347	$6,274	$692,621

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	$8,019,673	$9,989,372	$159,059,488	$-1,969,699
2024	$6,925,963	$7,110,615	$148,969,844	$-184,652
2023	$5,998,206	$5,725,068	$138,908,918	$273,138
2022	$5,387,291	$4,745,007	$135,616,748	$642,284
2021	$5,800,090	$4,891,198	$139,155,575	$908,892
2020	$5,186,719	$5,001,491	$140,599,967	$185,228
2019	$5,566,826	$5,576,602	$132,123,310	$-9,776
2018	$5,182,233	$4,943,089	$137,935,411	$239,144

ARRHA CREDIT UNION