WHITE ROSE CREDIT UNION (EIN 231402813) - 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

1950

Legal Domicile

Principal Officer

BRYAN C SMITH

Phone

7177559773

Tax Period

2025-01-01 to 2025-12-31

WHITE ROSE CREDIT UNION, founded in 1950, is a community nonprofit that reported $7.2M in total revenue in fiscal year 2025. Expenses of $6.6M left a modest 8% surplus.

Mission

WHITE ROSE CREDIT UNION IS COMMITTED TO IMPROVING THE LIVES OF OUR MEMBERS AND COMMUNITY-AND INSPIRING OTHERS TO DO THE SAME. IT'S OUR COMMUNITY. WE CARE.

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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 $5,661,381

Investment Income $1,559,717

Other Revenue $13,895

TOTAL REVENUE $7,234,993

Expense Breakdown

Grants Paid $2,500

Salaries & Benefits $2,599,135

Fundraising Expenses $0

Other Expenses $4,045,850

TOTAL EXPENSES $6,647,485

Year-over-Year Comparison

	2025	2024	Change
Revenue	$7,234,993	$6,705,909	+0.1%
Expenses	$6,647,485	$6,728,351	0.0%
Net Income	$587,508	$-22,442	-27.2%

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

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

$192,873

Total Directors

$192,873

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JAMES R SANFORD	CHAIRPERSON	2.00	Director	$0	$0	$0
JOHN A BROWNLEE JR	VICE CHAIRPERSON	2.00	Director	$0	$0	$0
CHRISTOPHER M DEROUAUX	SECRETARY	2.00	Director	$0	$0	$0
GEORGE WATSON IV	DIRECTOR	2.00	Director	$0	$0	$0
KEITH A COSGROVE	DIRECTOR	2.00	Director	$0	$0	$0
BRYAN C SMITH	TREASURER & CEO	50.00	Officer Director	$162,976	$29,897	$192,873
KURT BLAKE	DIRECTOR (START 4/1/25)	2.00	Director	$0	$0	$0
BRENDAN SALYARDS	DIRECTOR (START 6/20/25)	2.00	Director	$0	$0	$0
MICHAEL DAVIS	DIRECTOR (START 5/13/25)	2.00	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	$7,234,993	$6,647,485	$115,184,369	$587,508
2024	$6,705,909	$6,728,351	$114,202,315	$-22,442
2023	$6,735,893	$5,927,494	$111,353,983	$808,399
2022	$4,844,136	$4,491,547	$111,239,873	$352,589
2021	$4,605,733	$4,136,724	$105,277,487	$469,009
2020	$4,589,239	$4,392,971	$95,917,868	$196,268
2019	$4,861,551	$4,362,099	$82,814,237	$499,452
2018	$4,402,038	$4,046,474	$80,875,946	$355,564

WHITE ROSE CREDIT UNION