ERIE COUNTY EMPLOYEES CREDIT UNION (EIN 160769914) - 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

1940

Legal Domicile

Phone

7168586245

Tax Period

2025-01-01 to 2025-12-31

ERIE COUNTY EMPLOYEES CREDIT UNION, founded in 1940, is a community nonprofit that reported $1.1M in total revenue in fiscal year 2025. Revenue grew 17% year-over-year, indicating healthy expansion. The organization ran a surplus of $182K, a strong 17% operating margin.

Mission

THE ORGANIZATION IS A STATE CHARTERED CREDIT UNION THAT PROVIDES LOAN SAVINGS AND RELATED FINANCIAL SERVICES TO 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 $528,935

Investment Income $545,825

Other Revenue $0

TOTAL REVENUE $1,074,760

Expense Breakdown

Grants Paid $0

Salaries & Benefits $431,983

Fundraising Expenses $0

Program Expenses $752,842

Other Expenses $460,351

TOTAL EXPENSES $892,334

Year-over-Year Comparison

	2025	2024	Change
Revenue	$1,074,760	$921,555	+0.2%
Expenses	$892,334	$767,082	+0.2%
Net Income	$182,426	$154,473	+0.2%

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

Total Directors

$121,080

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
KRISTY DREW-GABIOUD	MANAGER BOARD MEMBER	40.00	Director Highest	$102,735	$18,345	$121,080
PAUL OWENS	VICE CHAIR	0.00	Officer Director	$0	$0	$0
ANTHONY HOUSE	BOARD MEMBER	0.00	Director	$0	$0	$0
BARBARA YOUNG	CHAIR	0.00	Officer Director	$0	$0	$0
ROBIN HICKS	BOARD MEMBER	0.00	Director	$0	$0	$0
WALTER SIENKIEWICZ	BOARD MEMBER	0.00	Director	$0	$0	$0
LINDA GIGANTE	BOARD MEMBER	0.00	Director	$0	$0	$0
DAVID KINDA	SECRETARY	0.00	Officer Director	$0	$0	$0
JOSEPH SURDYK	TREASURER	0.00	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	$1,074,760	$892,334	$31,744,637	$182,426
2024	$921,555	$767,082	$30,867,766	$154,473
2023	$860,761	$727,916	$31,829,729	$132,845
2022	$870,751	$722,163	$31,939,315	$148,588
2021	$1,063,242	$853,257	$31,560,281	$209,985
2020	$889,127	$834,871	$29,343,576	$54,256
2019	$946,228	$853,132	$26,436,984	$93,096
2018	$956,700	$824,103	$26,344,731	$132,597

ERIE COUNTY EMPLOYEES CREDIT UNION