MEMBERS PLUS CREDIT UNION

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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

1940

Legal Domicile

Principal Officer

MICHAEL WILBERTON

Phone

7819051540

Tax Period

2025-01-01 to 2025-12-31

MEMBERS PLUS CREDIT UNION, founded in 1940, is a mid-sized nonprofit that reported $16.1M in total revenue in fiscal year 2025. Revenue surged 35% from the prior year, signaling strong growth momentum.

Mission

PROVIDE QUALITY, INNOVATIVE, COMPETITIVE, AND SECURE FINANCIAL PRODUCTS AND SERVICES

Program Service Accomplishments

Program 1

LOANS TO MEMBERS

Program 2

DIVIDENDS ON MEMBER SHARES

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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 $1,966,414

Investment Income $14,143,321

Other Revenue $0

TOTAL REVENUE $16,109,735

Expense Breakdown

Grants Paid $0

Salaries & Benefits $4,668,406

Fundraising Expenses $0

Program Expenses $0

Other Expenses $5,496,919

TOTAL EXPENSES $16,319,534

Year-over-Year Comparison

	2025	2024	Change
Revenue	$16,109,735	$11,923,332	+0.4%
Expenses	$16,319,534	$18,040,472	-0.1%
Net Income	$-209,799	$-6,117,140	-1.0%

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

N/A

Employees

N/A

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

$222,000

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JOHN MURPHY	CEO	40	Officer	$222,000	$0	$222,000
JAMES MANNING	DIRECTOR	40.00	Director	$0	$0	$0
WILLIAM CARR	DIRECTOR	0	Director	$0	$0	$0
DANIEL HURLEY	VICE CHAIRMAN	0	Director	$0	$0	$0
MICHAEL MALONEY	VICE CHAIRMAN	0	Director	$0	$0	$0
MARK WISNES	CLERK	0	Director	$0	$0	$0
CRAIG PINKHAM	CHAIRMAN	0	Director	$0	$0	$0
PATRICK CARNEY	DIRECTOR	0	Director	$0	$0	$0
MICHAEL NEE	TREASURER	0	Director	$0	$0	$0
THOMAS ROCHE	DIRECTOR	0	Director	$0	$0	$0
ROBERT SENIER	DIRECTOR	0	Director	$0	$0	$0
TIM SULLIVAN	DIRECTOR	0	Director	$0	$0	$0
RICHARD HUGHES	DIRECTOR	0	Director	$0	$0	$0
CRAIG CONNOLLY	DIRECTOR	0	Director	$0	$0	$0
TERRANCE FOLEY	DIRECTOR	0	Director	$0	$0	$0
MICHAEL WILBERTON	CFO	40	Officer	$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	$16,109,735	$16,319,534	$340,951,677	$-209,799
2024	No data	No data	No data	No data
2023	$13,472,577	$14,716,142	$364,571,667	$-1,243,565
2022	$11,966,084	$11,203,906	$340,150,584	$762,178
2021	$10,885,310	$10,417,241	$342,620,781	$468,069
2020	$11,615,640	$11,389,858	$326,864,624	$225,782
2019	$12,526,111	$12,339,982	$311,960,704	$186,129
2018	$10,442,539	$9,258,315	$305,910,962	$1,184,224