ENERGY CREDIT UNION

EIN: 042079800

WEST ROXBURY, MA

Total Revenue
$6,011,891
Total Expenses
$5,466,149
Total Assets
$124,420,267
Net Assets
$20,309,215
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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
1931
Legal Domicile
MA
Principal Officer
HOOI SING TAN
Phone
6173251999
Tax Period
2025-01-01 to 2025-12-31

ENERGY CREDIT UNION, founded in 1931, is a community nonprofit that reported $6.0M in total revenue in fiscal year 2025. Expenses of $5.5M left a modest 9% surplus.

Mission

ENERGY CREDIT UNION IS A STATE CHARTERED CREDIT UNION. THE CREDIT UNION PROVIDES DEPOSIT AND LOAN SERVICES TO ITS MEMBERS. ITS PRIMARY DEPOSIT PRODUCTS ARE SAVINGS, CHECKING AND TERM CERTIFICATE ACCOUNTS AND ITS PRIMARY LENDING PRODUCTS ARE RESIDENTIAL MORTGAGES AND CONSUMER LOANS.

Program Service Accomplishments

Program 1

MAINTENANCE OF MEMBERS' DEPOSITS AND PAYMENTS OF INTEREST AND DIVIDENDS. AT 12/31/25, THE CREDIT UNION HAD 2,761 LOANS OUTSTANDING. ALSO, MEMBERS HAD 10,842 DEPOSIT ACCOUNTS.

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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 $4,576,158
Investment Income $1,140,420
Other Revenue $295,313
TOTAL REVENUE $6,011,891

Expense Breakdown

Grants Paid $5,000
Salaries & Benefits $1,574,042
Fundraising Expenses $0
Other Expenses $3,887,107
TOTAL EXPENSES $5,466,149

Year-over-Year Comparison

2025 2024 Change
Revenue $6,011,891 $6,088,465 0.0%
Expenses $5,466,149 $5,536,856 0.0%
Net Income $545,742 $551,609 0.0%
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

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Governance

Voting Members
12
Independent Members
10
Employees
17
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
$499,872
Total Directors
11
$322,646
Key Employees
0
$0
Highest Compensated
0
reported
Name Title Hours/Week Role Reportable Comp Other Comp Total
HOOI SING TAN PRESIDENT & 40.00
Officer Director
$273,656 $48,990 $322,646
JAMES BROUDER CFO/TREASURE 40.00
Officer
$156,515 $20,711 $177,226
RICHARD ANDREW DIRECTOR N/A
Director
$0 $0 $0
JOHN BARRETT DIRECTOR N/A
Director
$0 $0 $0
ANTHONY CISTERNELLI DIRECTOR/ASS N/A
Director
$0 $0 $0
FAUSTINA FORTES CLERK N/A
Officer Director
$0 $0 $0
JAMES FREEMAN DIRECTOR N/A
Director
$0 $0 $0
DAVID GAMACHE DIRECTOR N/A
Director
$0 $0 $0
SHANE HARRINGTON DIRECTOR N/A
Director
$0 $0 $0
JAMES GODDING JR CHAIRPERSON N/A
Officer Director
$0 $0 $0
ROBERT LEWIS DIRECTOR N/A
Director
$0 $0 $0
FRANCO ROMERO VICE CHAIRPE N/A
Officer 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 $6,011,891 $5,466,149 $124,420,267 $545,742
2024 $6,088,465 $5,536,856 $131,307,492 $551,609
2023 $5,479,399 $4,868,200 $129,582,050 $611,199
2022 $4,195,171 $3,517,053 $133,032,845 $678,118
2021 $3,598,268 $3,417,357 $110,350,166 $180,911
2020 $3,632,839 $3,432,271 $103,907,505 $200,568
2019 $3,695,624 $3,345,594 $92,552,941 $350,030
2018 $3,336,644 $3,108,090 $90,949,634 $228,554
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