ALLVAC SAVINGS AND CREDIT UNION

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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

1964

Legal Domicile

Principal Officer

JOY PAGE

Phone

7042917112

Tax Period

2023-01-01 to 2023-12-31

ALLVAC SAVINGS AND CREDIT UNION, founded in 1964, is a small nonprofit that reported $489K in total revenue in fiscal year 2023. Revenue surged 30% from the prior year, signaling strong growth momentum. The organization ran a surplus of $98K, a strong 20% operating margin.

Mission

ALLVAC SAVINGS AND CREDIT UNION'S CONTINUED MISSION IS TO SERVE OUR MEMBERSHIP WITH THE BEST POSSIBLE SERVICES AND RATES USING THE PROFITS FROM FEES AND LOANS.

Program Service Accomplishments

Program 1

Program 2

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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 (2023)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $404,951

Investment Income $28,824

Other Revenue $54,901

TOTAL REVENUE $488,676

Expense Breakdown

Grants Paid $0

Salaries & Benefits $172,588

Fundraising Expenses $0

Other Expenses $208,268

TOTAL EXPENSES $390,328

Year-over-Year Comparison

	2023	2022	Change
Revenue	$488,676	$374,915	+0.3%
Expenses	$390,328	$340,885	+0.1%
Net Income	$98,348	$34,030	+1.9%

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

$46,989

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JOY PAGE	MANAGER	40.00	Officer	$46,989	$0	$46,989
RONALD HOWIE	PRESIDENT	0.50	Director	$0	$0	$0
RANDY FERGUSON	VICE PRESIDE	0.50	Director	$0	$0	$0
BRUCE LECKEY	SECRETARY	0.50	Director	$0	$0	$0
MICHAEL BETHEA	TREASURER	0.50	Director	$0	$0	$0
DONNA SIMPSON	BOARD MEMBER	0.50	Director	$0	$0	$0
SUSAN COLE	BOARD MEMBER	0.50	Director	$0	$0	$0
KIM EDWARDS	BOARD MEMBER	0.50	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	No data	No data	No data	No data
2024	No data	No data	No data	No data
2023	$488,676	$390,328	$7,997,693	$98,348
2022	$374,915	$340,885	$7,955,280	$34,030
2021	$248,854	$310,940	$8,652,593	$-62,086
2020	$332,411	$339,568	$8,354,733	$-7,157
2019	$402,219	$384,248	$7,558,772	$17,971