CHAMBERSBURG, PA
4 risk indicators measuring financial stability and operational resilience
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Sign In — Free (10 views/day)1ST ED CREDIT UNION, founded in 1933, is a community nonprofit that reported $4.6M in total revenue in fiscal year 2023. Revenue grew 15% year-over-year, indicating healthy expansion. Expenses of $4.1M left a modest 10% surplus.
CREDIT UNIONS ARE COOPERATIVE SAVINGS AND CREDIT ASSOCIATIONS INCORPORATED UNDER ACT NO. 260 OF MAY 26, 1993 OR ACT NO. 283 OF SEPTEMBER 20, 1961, FOR THE PURPOSE OF PROMOTING THRIFT AMOUNG ITS MEMBERS, CREATING A SOURCE OF CREDIT FOR SUCH MEMBERS AT REASONABLE RATES OF INTEREST AND PROVIDING AN OPPORTUNITY FOR ITS MEMBERS TO USE AND CONTROL THEIR OWN MONEY ON A DEMOCRATIC BASIS IN ORDER TO IMPROVE THEIR ECOMONIC AND SOCIAL CONDITIONS.
Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency
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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)
Sign In — Free (10 views/day)| 2023 | 2022 | Change | |
|---|---|---|---|
| Revenue | $4,559,363 | $3,981,740 | +0.1% |
| Expenses | $4,118,865 | $3,327,221 | +0.2% |
| Net Income | $440,498 | $654,519 | -0.3% |
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
Sign In| Name | Title | Hours/Week | Role | Reportable Comp | Other Comp | Total |
|---|---|---|---|---|---|---|
| ROY JOHNSTON | PRESIDENT | 1.50 |
Officer
Director
|
$0 | $0 | $0 |
| DEBORAH WESTOVER | VICE PRESIDE | 1.00 |
Officer
Director
|
$0 | $0 | $0 |
| ALAN ESTES | SECRETARY/TR | 1.00 |
Officer
Director
|
$0 | $0 | $0 |
| DIXIE PARUCH | BOARD MEMBER | 1.00 |
Director
|
$0 | $0 | $0 |
| BRYAN HAWBECKER | BOARD MEMBER | 1.00 |
Director
|
$0 | $0 | $0 |
| ROBIN HARMON | BOARD MEMBER | 1.00 |
Director
|
$0 | $0 | $0 |
| BRIAN CAMPBELL | BOARD MEMBER | 1.00 |
Director
|
$0 | $0 | $0 |
| CAROLYN FAITH | SUPERVIOSRY | 1.50 |
Director
|
$0 | $0 | $0 |
| AJ YOHN | SUPERVISORY | 1.00 |
Director
|
$0 | $0 | $0 |
| THOMAS HOFFMAN | SUPERVISORY | 1.00 |
Director
|
$0 | $0 | $0 |
| N/A | CEO | 40.00 |
Officer
|
$110,757 | $0 | $110,757 |
| KELLY DAUGHERTY | COO | 40.00 |
Officer
|
$87,043 | $0 | $87,043 |
| Year | Revenue | Expenses | Assets | Net Income |
|---|---|---|---|---|
| 2024 | No data | No data | No data | No data |
| 2023 | $4,559,363 | $4,118,865 | $131,926,990 | $440,498 |
| 2022 | $3,981,740 | $3,327,221 | $125,306,679 | $654,519 |
| 2021 | $3,611,021 | $3,266,232 | $134,760,811 | $344,789 |
| 2020 | $3,830,608 | $3,543,272 | $127,018,767 | $287,336 |
| 2019 | $4,063,791 | $3,469,904 | $116,889,166 | $593,887 |
| 2018 | $3,854,928 | $2,929,001 | $115,913,743 | $925,927 |
Compare 1ST ED CREDIT UNION with other nonprofits in Pennsylvania and across the country.