ALBRIGHT CREDIT UNION (EIN 061029943) - 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

1980

Legal Domicile

Principal Officer

Sabrina DeFazio

Phone

2037964500

Tax Period

2025-01-01 to 2025-12-31

ALBRIGHT CREDIT UNION, founded in 1980, is a community nonprofit that reported $3.9M in total revenue in fiscal year 2025. The organization ran a surplus of $690K, a strong 18% operating margin.

Mission

Albright Credit Unions mission is to serve our members as the best-in-class provider of consumer financial services. We will fulfill our mission by placing a high value on customer satisfaction, quality service, full service delivery and continued credit union stability.

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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 $2,935,169

Investment Income $993,361

Other Revenue $0

TOTAL REVENUE $3,928,530

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,272,682

Fundraising Expenses $0

Program Expenses $3,101,553

Other Expenses $1,965,493

TOTAL EXPENSES $3,238,175

Year-over-Year Comparison

	2025	2024	Change
Revenue	$3,928,530	$4,107,488	0.0%
Expenses	$3,238,175	$3,351,829	0.0%
Net Income	$690,355	$755,659	-0.1%

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

$517,561

Total Directors

$233,490

Key Employees

$101,553

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Sabrina DeFazio	President	50.00	Officer Director	$201,562	$31,928	$233,490
Heidi Sztanko	Vice President Finance & IT	50.00	Officer	$134,382	$48,136	$182,518
Lisa Arconti	Vice President Member Care	50.00	Officer Key Emp	$78,981	$22,572	$101,553
Andrew Bard	Treasurer	4.00	Director	$0	$0	$0
Maciej Milewski	Chairperson	4.00	Director	$0	$0	$0
RuthAnne Salvatore	Director	4.00	Director	$0	$0	$0
Leo White	Director	4.00	Director	$0	$0	$0
Chris DePalma	Secretary	3.00	Director	$0	$0	$0
Frederick Karrat	Director	3.00	Director	$0	$0	$0
Gina Ramos	Director	4.00	Director	$0	$0	$0
Alyssa Angurio	Director	4.00	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	$3,928,530	$3,238,175	$72,711,972	$690,355
2024	No data	No data	No data	No data
2023	$2,758,210	$2,690,177	$74,341,842	$68,033
2022	$1,675,515	$1,579,031	$43,834,356	$96,484
2021	$1,495,527	$1,437,175	$46,634,807	$58,352
2020	$1,605,676	$1,531,598	$41,766,468	$74,078
2019	$1,753,355	$1,659,020	$36,872,564	$94,335
2018	$1,667,535	$1,490,371	$34,716,305	$177,164

ALBRIGHT CREDIT UNION