NORTHWEST HILLS CREDIT UNION INC (EIN 066041088) - 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

1953

Legal Domicile

Principal Officer

CHRISTOPHER MASTRONI

Phone

8604967326

Tax Period

2025-01-01 to 2025-12-31

NORTHWEST HILLS CREDIT UNION INC, founded in 1953, is a community nonprofit that reported $2.8M in total revenue in fiscal year 2025. Revenue grew 19% year-over-year, indicating healthy expansion. The organization ran a surplus of $756K, a strong 27% operating margin.

Mission

HOLDING DEPOSITS FOR AND PROVIDING LOANS TO ITS MEMBERS

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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 $1,852,699

Investment Income $968,563

Other Revenue $0

TOTAL REVENUE $2,821,262

Expense Breakdown

Grants Paid $0

Salaries & Benefits $666,621

Fundraising Expenses $0

Other Expenses $1,398,269

TOTAL EXPENSES $2,064,890

Year-over-Year Comparison

	2025	2024	Change
Revenue	$2,821,262	$2,361,013	+0.2%
Expenses	$2,064,890	$1,821,857	+0.1%
Net Income	$756,372	$539,156	+0.4%

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

$254,483

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
STEVEN CHENAIL	CHAIRMAN	1.00	Officer Director	$0	$0	$0
STEVE DARR	VICE CHAIRMAN	1.00	Officer Director	$0	$0	$0
CYNTHIA FASS	SECRETARY	1.00	Officer Director	$0	$0	$0
LEE CARTER	DIRECTOR	1.00	Director	$0	$0	$0
LISA FERRIS	DIRECTOR	1.00	Director	$0	$0	$0
MICHAEL MCGUFFIE	DIRECTOR	1.00	Director	$0	$0	$0
CHERYL PEARSON	TREASURER	1.00	Officer Director	$0	$0	$0
PAUL ROUGEOT	DIRECTOR	1.00	Director	$0	$0	$0
CHRISTOPHER MASTRONI	PRESIDENT & CEO	40.00	Officer	$145,014	$24,318	$169,332
AMY DIPIPPO	FINANCIAL OFFICER	40.00	Officer	$66,608	$18,543	$85,151

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	$2,821,262	$2,064,890	$53,341,424	$756,372
2024	$2,361,013	$1,821,857	$44,320,469	$539,156
2023	$2,111,872	$1,621,337	$39,421,085	$490,535
2022	$1,670,222	$1,378,695	$41,035,388	$291,527
2021	$1,320,386	$1,304,470	$41,391,402	$15,916
2020	$1,351,919	$1,300,389	$37,182,312	$51,530
2019	$1,549,867	$1,371,217	$31,147,571	$178,650
2018	$1,506,874	$1,341,449	$31,174,769	$165,425

NORTHWEST HILLS CREDIT UNION INC