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 $5.8M in total revenue in fiscal year 2025. Expenses of $5.3M left a modest 9% surplus.
1ST ED CREDIT UNION IS A MEMBER-OWNED FINANCIAL INSTITUTION, SERVING SCHOOL EMPLOYEES AND THEIR FAMILIES IN ADAMS, CUMBERLAND, FRANKLIN, FULTON, AND YORK COUNTIES. OUR PURPOSE IS TO PROVIDE MEMBERS WITH QUALITY AND DIVERSE SERVICES, AS WELL AS PERSONAL ATTENTION TO THEIR FINANCIAL NEEDS. WE STRIVE FOR CONTINUED GROWTH WHILE MAINTAINING FINANCIAL STABILITY.
1ST ED CREDIT UNION IS A MEMBER-OWNED FINANCIAL INSTITUTION, SERVING SCHOOL EMPLOYEES AND THEIR FAMILIES IN ADAMS, CUMBERLAND, FRANKLIN, FULTON, AND YORK COUNTIES. OUR PURPOSE IS TO PROVIDE MEMBERS...
1ST ED CREDIT UNION IS A MEMBER-OWNED FINANCIAL INSTITUTION, SERVING SCHOOL EMPLOYEES AND THEIR FAMILIES IN ADAMS, CUMBERLAND, FRANKLIN, FULTON, AND YORK COUNTIES. OUR PURPOSE IS TO PROVIDE MEMBERS WITH QUALITY AND DIVERSE SERVICES, AS WELL AS PERSONAL ATTENTION TO THEIR FINANCIAL NEEDS. WE STRIVE FOR CONTINUED GROWTH WHILE MAINTAINING FINANCIAL STABILITY.
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)| 2025 | 2024 | Change | |
|---|---|---|---|
| Revenue | $5,780,221 | $5,536,855 | +0.0% |
| Expenses | $5,287,732 | $5,221,574 | +0.0% |
| Net Income | $492,489 | $315,281 | +0.6% |
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 |
| ANGELA LYNCH | BOARD MEMBER | 1.00 |
Director
|
$0 | $0 | $0 |
| JULIE KOONS | 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 | SUPERVISORY | 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
|
$115,933 | $0 | $115,933 |
| KELLY DAUGHERTY | COO | 40.00 |
Officer
|
$93,502 | $0 | $93,502 |
| Year | Revenue | Expenses | Assets | Net Income |
|---|---|---|---|---|
| 2025 | $5,780,221 | $5,287,732 | $138,841,584 | $492,489 |
| 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.