Williamsport Teachers Credit Union

EIN: 240796852

S Williamsport, PA

Total Revenue
$671,373
Total Expenses
$504,574
Total Assets
$14,319,704
Net Assets
$14,251,350
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Financial Vulnerability Assessment (Tuckman-Chang)

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Financial Trends

Organization Details

Formation Year
1934
Legal Domicile
PA
Principal Officer
Edith Sones
Phone
5703236468
Tax Period
2025-01-01 to 2025-12-31

Williamsport Teachers Credit Union, founded in 1934, is a small nonprofit that reported $671K in total revenue in fiscal year 2025. The organization ran a surplus of $167K, a strong 25% operating margin.

Mission

Credit Unions are cooperative savings and credit associations incorporated under Act No 260 of May 26, 1990 or Act No. 283 of September 20, 1996, for the purpose of promoting thrift among 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 economic and social conditions.

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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%)

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Financial Overview (2025)

Revenue Breakdown

Contributions & Grants $0
Program Service Revenue $327,749
Investment Income $322,164
Other Revenue $21,460
TOTAL REVENUE $671,373

Expense Breakdown

Grants Paid $0
Salaries & Benefits $196,101
Fundraising Expenses $0
Program Expenses $0
Other Expenses $308,473
TOTAL EXPENSES $504,574

Year-over-Year Comparison

2025 2024 Change
Revenue $671,373 $663,723 +0.0%
Expenses $504,574 $498,486 +0.0%
Net Income $166,799 $165,237 +0.0%
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

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Governance

Voting Members
9
Independent Members
9
Employees
4
Volunteers
9

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
4
$0
Total Directors
5
$0
Key Employees
1
$62,839
Highest Compensated
0
reported
Name Title Hours/Week Role Reportable Comp Other Comp Total
Edith V Sones Manager 40
Key Emp
$62,839 $0 $62,839
John D Peck Board Member 1
Director
$0 $0 $0
Patricia a Miller Board Member 1
Director
$0 $0 $0
Christina Butler Board Member 1
Director
$0 $0 $0
Christopher W Lusk Board Member 1
Director
$0 $0 $0
Ethan Lee Board Member 1
Director
$0 $0 $0
Dennis E Stopper Board President 1
Officer
$0 $0 $0
K Colleen Good Secretary 1
Officer
$0 $0 $0
Bonnie L Bair Board Member - Treasurer 1
Officer
$0 $0 $0
Sharon L Salvatori Board Vice President 1
Officer
$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 $671,373 $504,574 $14,319,704 $166,799
2024 No data No data No data No data
2023 $575,111 $384,826 $12,931,899 $190,285
2022 $324,552 $244,792 $14,300,372 $79,760
2021 $266,427 $230,997 $13,944,118 $35,430
2020 $295,175 $243,232 $12,662,078 $51,943
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