NORTHWEST FEDERAL CREDIT UNION FOUNDATION (EIN 202945601) - Form 990 Financial Analysis & Trantor Score

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Tuckman-Chang Vulnerability Assessment

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

2004

Legal Domicile

Principal Officer

TARALYN KOHLER

Phone

7037098900

Tax Period

2024-01-01 to 2024-12-31

NORTHWEST FEDERAL CREDIT UNION FOUNDATION, founded in 2004, is a small nonprofit in the Education sector that reported $319K in total revenue in fiscal year 2018. Revenue grew 15% year-over-year, indicating healthy expansion. The organization ran a surplus of $103K, a strong 32% operating margin.

Mission

TO EMPOWER YOUTH TO ACHIEVE THEIR GOALS BY SUPPORTING THEIR HEALTH, WELL-BEING AND EDUCATION.

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Trantor Score

Financial Health & Payment Capacity Assessment (FICO Scale: 300–850)

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2024)

Revenue Breakdown

Contributions & Grants $221,592

Program Service Revenue $0

Investment Income $74,886

Other Revenue $150,241

TOTAL REVENUE $446,719

Expense Breakdown

Grants Paid $130,000

Salaries & Benefits $0

Fundraising Expenses $6,762

Program Expenses $197,461

Other Expenses $93,273

TOTAL EXPENSES $223,273

Year-over-Year Comparison

	2024	2023	Change
Revenue	$446,719	$376,294	+0.2%
Expenses	$223,273	$254,289	-0.1%
Net Income	$223,446	$122,005	+0.8%

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

N/A

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

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JEFF BENTLEY	CHAIRMAN	2.00	Officer Director	$0	$0	$0
JURI VALDOV	VICE CHAIRMA	0.50	Officer Director	$0	$0	$0
MARY DEFELICE	DIRECTOR	1.00	Director	$0	$0	$0
DAVE ELDRED	DIRECTOR	1.00	Director	$0	$0	$0
NENE SPIVY	DIRECTOR	0.50	Director	$0	$0	$0
MILLY CRAMER	DIRECTOR	1.00	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
2024	$446,719	$223,273	$1,874,219	$223,446
2023	$376,294	$254,289	$1,633,284	$122,005
2022	$334,269	$219,694	$1,470,055	$114,575
2021	$380,885	$194,622	$1,571,778	$186,263
2020	$278,117	$169,862	$1,362,147	$108,255
2019	$412,239	$208,913	$1,156,836	$203,326
2018	$318,829	$215,933	$840,385	$102,896

NORTHWEST FEDERAL CREDIT UNION FOUNDATION