ACHIEVE FINANCIAL 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

1954

Legal Domicile

Principal Officer

ANDREW KLIMKOSKI

Phone

8608282790

Tax Period

2024-01-01 to 2024-12-31

ACHIEVE FINANCIAL CREDIT UNION, founded in 1954, is a mid-sized nonprofit that reported $11.4M in total revenue in fiscal year 2024.

Mission

WE PROVIDE FINANCIAL SERVICES FOR OUR MEMBERS.

Program Service Accomplishments

Program 1

ORIGINATION AND MAINTENANCE OF MEMBERS' DEPOSIT ACCOUNTS

Program 2

ORIGINATION AND MAINTENANCE OF MEMBERS' LOAN ACCOUNTS

Program 3

PAYMENT OF INTEREST AND DIVIDENDS

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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 (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $7,679,519

Investment Income $712,401

Other Revenue $3,058,056

TOTAL REVENUE $11,449,976

Expense Breakdown

Grants Paid $0

Salaries & Benefits $3,143,787

Fundraising Expenses $0

Other Expenses $8,014,224

TOTAL EXPENSES $11,158,011

Year-over-Year Comparison

	2024	2023	Change
Revenue	$11,449,976	$12,016,169	0.0%
Expenses	$11,158,011	$11,112,680	+0.0%
Net Income	$291,965	$903,489	-0.7%

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

N/A

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

$446,830

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
THOMAS LANGDON	DIRECTOR	1.00	Director	$0	$0	$0
JOHN STAIRS	TREASURER/SECRETARY	1.00	Director	$0	$0	$0
WILLIAM ACKERMAN	DIRECTOR	1.00	Director	$0	$0	$0
JOHN FREDERICKS	CHAIRMAN	1.00	Director	$0	$0	$0
ELAINE RICHARDS	DIRECTOR	1.00	Director	$0	$0	$0
DENE WELAGE	VICE CHAIRMAN	1.00	Director	$0	$0	$0
JASON SMITH	DIRECTOR	1.00	Director	$0	$0	$0
ANDREW KLIMKOSKI	PRESIDENT/CEO	50.00	Officer	$411,199	$35,631	$446,830
MELISSA D'AGOSTINO	MEMBER EXPERIENCE OFFICER	50.00	Highest	$138,295	$8,202	$146,497
BRIAN SCAVONE	COO	50.00	Highest	$202,824	$9,607	$212,431
SHAWN HONAN	CFO THROUGH 11/29/2024	1.00	Highest	$125,461	$0	$125,461
ZACHARY PIPER	NETWORK ENGINEER	1.00	Highest	$102,616	$10,482	$113,098

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	No data	No data	No data	No data
2024	$11,449,976	$11,158,011	$181,973,848	$291,965
2023	$12,016,169	$11,112,680	$192,475,799	$903,489
2022	$10,293,726	$8,300,755	$183,250,727	$1,992,971
2021	$8,898,546	$8,013,107	$177,006,682	$885,439
2020	$7,837,035	$7,999,110	$162,912,495	$-162,075
2019	$8,643,003	$8,025,589	$131,893,368	$617,414
2018	$8,626,185	$7,998,513	$129,741,266	$627,672