PARK SIDE FINANCIAL 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

1965

Legal Domicile

Principal Officer

JEREMY PRESTA

Phone

4068622652

Tax Period

2024-01-01 to 2024-12-31

PARK SIDE FINANCIAL CREDIT UNION, founded in 1965, is a mid-sized nonprofit that reported $21.2M in total revenue in fiscal year 2024.

Mission

WE WILL BE THE BEST PLACE FOR THE PEOPLE OF WESTERN MONTANA TO GET A LOAN.

Program Service Accomplishments

Program 1

PARK SIDE FINANCIAL CREDIT UNION IS A MEMBER-OWNED CO-OPERATIVE OFFERING A DIVERSE VARIETY OF FINANCIAL SERVICES TO ITS MEMBERS. ITS PRIMARY FINANCIAL SERVICES ARE PROVIDING REAL ESTATE LOANS...

PARK SIDE FINANCIAL CREDIT UNION IS A MEMBER-OWNED CO-OPERATIVE OFFERING A DIVERSE VARIETY OF FINANCIAL SERVICES TO ITS MEMBERS. ITS PRIMARY FINANCIAL SERVICES ARE PROVIDING REAL ESTATE LOANS, CONSUMER LOANS, CHECKING ACCOUNTS, SAVINGS ACCOUNTS, AND TIME DEPOSITS TO ITS MEMBERS.AT DECEMBER 31, 2024 PARK SIDE FINANCIAL CREDIT UNION HAS 975 REAL ESTATE LOANS WITH A VALUE OF $160,842,239.AT DECEMBER 31, 2024 PARK SIDE FINANCIAL CREDIT UNION HAS 11,371 CONSUMER LOANS WITH A VALUE OF $121,774,243.AT DECEMBER 31, 2024 PARK SIDE FINANCIAL CREDIT UNION HAS 18,069 CHECKING ACCOUNTS WITH A VALUE OF $73,451,356. AT DECEMBER 31, 2024 PARK SIDE FINANCIAL CREDIT UNION HAS 34,396 SAVINGS ACCOUNTS WITH A VALUE OF $146,299,227. AT DECEMBER 31, 2024 PARK SIDE FINANCIAL CREDIT UNION HAS 2,866 TIME DEPOSIT ACCOUNTS WITH A VALUE OF $119,883,490.

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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 (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $19,930,686

Investment Income $1,210,685

Other Revenue $47,543

TOTAL REVENUE $21,188,914

Expense Breakdown

Grants Paid $66,834

Salaries & Benefits $7,313,799

Fundraising Expenses $0

Other Expenses $13,793,430

TOTAL EXPENSES $21,174,063

Year-over-Year Comparison

	2024	2023	Change
Revenue	$21,188,914	$19,753,566	+0.1%
Expenses	$21,174,063	$19,298,291	+0.1%
Net Income	$14,851	$455,275	-1.0%

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

104

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

$872,695

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CARL THOMAS	CHAIR	1.00	Officer Director	$0	$0	$0
RICK FLINK	VICE CHAIR (THRU 8/24)	1.00	Officer Director	$0	$0	$0
SCOTT ROBERTS	VICE CHAIR	1.00	Officer Director	$0	$0	$0
DAVE SUTHERLAND	SECRETARY/TREASURER	1.00	Officer Director	$0	$0	$0
TERRY THORPE	DIRECTOR	1.00	Director	$0	$0	$0
RON JAROSCH	DIRECTOR	1.00	Director	$0	$0	$0
DIANA LAMERS	DIRECTOR	1.00	Director	$0	$0	$0
RICH PEDERSON	DIRECTOR	1.00	Director	$0	$0	$0
DARIA PEREZ	DIRECTOR	1.00	Director	$0	$0	$0
MITCH LUCAS	DIRECTOR	1.00	Director	$0	$0	$0
JEREMY PRESTA	CEO	40.00	Officer	$284,153	$34,337	$318,490
TROY BRACKEY	CFO	40.00	Officer	$284,220	$24,465	$308,685
MAUREEN BRYAN	SENIOR VP OF HR	40.00	Officer	$226,209	$19,311	$245,520
CAROL BENIGER	VP OF LENDING	40.00	Highest	$137,597	$26,210	$163,807
JOSH KROLL	VP OF MARKETING	40.00	Highest	$130,407	$25,853	$156,260
LAURA SCOVILLE	VP OF BACK OFFICE OPERATIONS	40.00	Highest	$132,273	$22,557	$154,830
TERESA SHORT	VP OF IT	40.00	Highest	$130,653	$15,077	$145,730
ALISA MCCONKEY	VP OF OPERATIONS	40.00	Highest	$125,966	$27,707	$153,673

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	$21,188,914	$21,174,063	$377,195,754	$14,851
2023	$19,753,566	$19,298,291	$397,774,451	$455,275
2022	$17,656,460	$15,745,303	$423,363,479	$1,911,157
2021	$16,119,399	$13,833,119	$381,456,683	$2,286,280
2020	$14,723,032	$13,602,352	$316,011,994	$1,120,680
2019	$14,291,663	$13,216,935	$254,229,752	$1,074,728
2018	$13,546,693	$12,304,269	$236,910,023	$1,242,424