HUDSON RIVER COMMUNITY CREDIT UNION (EIN 141407718) - 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

1954

Legal Domicile

Principal Officer

CHARLES PASQUARELL

Phone

5188863400

Tax Period

2025-01-01 to 2025-12-31

HUDSON RIVER COMMUNITY CREDIT UNION, founded in 1954, is a mid-sized nonprofit that reported $22.2M in total revenue in fiscal year 2025. Expenses of $20.3M left a modest 9% surplus.

Mission

HRCCU PROVIDES UNIQUE, QUALITY FINANCIAL SERVICES TO IMPROVE THE FINANCIAL WELL-BEING OF MEMBERS AND THEIR FAMILIES BY PROVIDING QUALITY FINANCIAL SERVICES WITH THE BEST OVERALL VALUE.

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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 $15,008,145

Investment Income $1,211,909

Other Revenue $5,981,648

TOTAL REVENUE $22,201,702

Expense Breakdown

Grants Paid $92,123

Salaries & Benefits $8,349,957

Fundraising Expenses $0

Other Expenses $11,841,182

TOTAL EXPENSES $20,283,262

Year-over-Year Comparison

	2025	2024	Change
Revenue	$22,201,702	$21,779,512	+0.0%
Expenses	$20,283,262	$19,556,568	+0.0%
Net Income	$1,918,440	$2,222,944	-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

$1,166,260

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CAROL ANN PACCO-LONG	TREASURER & DIRECTOR	2.00	Officer Director	$0	$0	$0
CHARLES PASQUARELL	PRESIDENT & DIRECTOR	2.00	Officer Director	$0	$0	$0
STUART FIELD	DIRECTOR	2.00	Director	$0	$0	$0
DENISE WILLIAMS	DIRECTOR	2.00	Director	$0	$0	$0
THOMAS UNCHER	SECRETARY & DIRECTOR	2.00	Officer Director	$0	$0	$0
DINO ROSATI	VICE PRESIDENT & DIRECTOR	2.00	Officer Director	$0	$0	$0
ALVEY HARRISON	DIRECTOR	2.00	Director	$0	$0	$0
SUSAN COMMANDA	CEO	40.00	Officer	$444,293	$63,622	$507,915
LORRAINE MAROLA	EVP	40.00	Officer	$338,861	$75,289	$414,150
PAULA SHEELY	CRO	40.00	Officer	$191,058	$53,137	$244,195
ROBERT GERBER	CIO	40.00	Highest	$172,620	$50,063	$222,683
JAMES HOLMES	VP FINANCE & GROWTH	40.00	Highest	$145,630	$13,244	$158,874
KACIE KENYON	CONTROLLER	40.00	Highest	$142,815	$16,342	$159,157
MELISSE ROBINSON	VP OF HR	40.00	Highest	$141,527	$43,776	$185,303
JOSEPH KORSZUM	DIRECTOR OF BUSINESS INTELLIGENCE	40.00	Highest	$124,556	$672	$125,228

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	$22,201,702	$20,283,262	$358,544,537	$1,918,440
2024	$21,779,512	$19,556,568	$329,953,642	$2,222,944
2023	$20,098,263	$17,085,259	$336,049,077	$3,013,004
2022	$19,095,276	$15,392,697	$329,430,319	$3,702,579
2021	$18,945,635	$14,405,653	$328,733,027	$4,539,982
2019	$18,130,682	$15,648,404	$278,641,413	$2,482,278
2018	$16,633,783	$13,913,811	$265,210,079	$2,719,972

HUDSON RIVER COMMUNITY CREDIT UNION