Alcose Credit Union (EIN 250996223) - Form 990 Financial Analysis & Trantor Score

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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

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 & borrowings for its members. The credit union also provides other financial services

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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 (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

Governance

Voting Members

N/A

Independent Members

N/A

Employees

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

$95,488

Total Directors

$95,488

Key Employees

Highest Compensated

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

Alcose Credit Union