Alcose Credit Union

EIN: 250996223

White Oak, PA

Total Revenue
$819,054
Total Expenses
$736,028
Total Assets
$16,011,095
Net Assets
$15,983,964
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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
1950
Legal Domicile
PA
Principal Officer
Darlene Hochendoner
Phone
4126732450
Tax Period
2025-01-01 to 2025-12-31

Alcose Credit Union, founded in 1950, is a small nonprofit that reported $819K in total revenue in fiscal year 2025. Expenses of $736K left a modest 10% surplus.

Mission

The credit union's mission is to provide thrift savings and borrowings for its members. The credit union also provides other financial services.

Program Service Accomplishments

Program 1
Expenses: $345,592

Compensation

Program 2
Expenses: $311,473

Legal, Accounting, Advertising, Office Expense, IT, Occupancy, Travel, Conferences, Interest, Depreciation and Insurance

Program 3
Expenses: $78,963

Loan Servicing, Compliance, Association Dues, and Provision for Loan Loss

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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 $325,828
Investment Income $267,368
Other Revenue $225,858
TOTAL REVENUE $819,054

Expense Breakdown

Grants Paid $0
Salaries & Benefits $345,592
Fundraising Expenses $0
Program Expenses $736,028
Other Expenses $390,436
TOTAL EXPENSES $736,028

Year-over-Year Comparison

2025 2024 Change
Revenue $819,054 $760,577 +0.1%
Expenses $736,028 $607,796 +0.2%
Net Income $83,026 $152,781 -0.5%
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
N/A
Independent Members
N/A
Employees
5
Volunteers
8

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
5
$95,488
Total Directors
5
$95,488
Key Employees
0
$0
Highest Compensated
0
reported
Name Title Hours/Week Role Reportable Comp Other Comp Total
Darlene Hochendoner CEO 40
Officer Director
$95,488 $0 $95,488
Angela Vehec Chairman of Board 0
Officer Director
$0 $0 $0
Mark S Pogue Treasurer 0
Officer Director
$0 $0 $0
Frederick Moyes Secretary 0
Officer Director
$0 $0 $0
Diane Kalina Vice President of Board 0
Officer 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 $819,054 $736,028 $16,011,095 $83,026
2024 $760,577 $607,796 $16,246,408 $152,781
2023 $709,602 $549,358 $17,051,428 $160,244
2022 $435,315 $539,331 $17,810,815 $-104,016
2021 $570,276 $532,903 $17,729,186 $37,373
2020 $597,554 $567,399 $17,319,372 $30,155
2019 $656,737 $594,596 $15,984,580 $62,141
2018 $574,844 $665,920 $16,097,471 $-91,076
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