Worthington, PA
4 risk indicators measuring financial stability and operational resilience
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Sign In — Free (10 views/day)Moonlight Credit Union, founded in 1947, is a community nonprofit that reported $1.8M in total revenue in fiscal year 2025. Revenue fell 36% from the prior year — a significant decline worth monitoring. The organization ran a surplus of $1.0M, a strong 58% operating margin.
The credit union is a cooperative savings and credit organization chartered September 3, 1947 in the state of PA. Under state law for the purpose of promoting thrift among its members, creating a source of credit for such members at reasonable rates, and is being operated under uniform bylaws adapted for said state.
Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency
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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)
Sign In — Free (10 views/day)| 2025 | 2024 | Change | |
|---|---|---|---|
| Revenue | $1,768,680 | $2,753,280 | -0.4% |
| Expenses | $745,050 | $1,135,760 | -0.3% |
| Net Income | $1,023,630 | $1,617,520 | -0.4% |
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
Sign In| Name | Title | Hours/Week | Role | Reportable Comp | Other Comp | Total |
|---|---|---|---|---|---|---|
| Karen Janoski | CEO | 40 |
Highest
|
$83,646 | $0 | $83,646 |
| Sue Mosberger | Supervisory Committee Chairman | 0 |
Director
|
$0 | $0 | $0 |
| Diana Claypool | Supervisory Committee | 0 |
Director
|
$0 | $0 | $0 |
| Marilyn Strobel | Supervisory Committee | 0 |
Director
|
$0 | $0 | $0 |
| Sue Lash | Supervisory Committee | 0 |
Director
|
$0 | $0 | $0 |
| Karen Bothell | Supervisory Committee | 0 |
Director
|
$0 | $0 | $0 |
| John Roofner | Treasurer | 0 |
Director
|
$0 | $0 | $0 |
| Denny Shelton | 1st Chair | 0 |
Director
|
$0 | $0 | $0 |
| Charlene Perine | Secretary | 0 |
Director
|
$0 | $0 | $0 |
| Desmond Waldor | Chairman | 0 |
Director
|
$0 | $0 | $0 |
| Carl Peters | Board Member | 0 |
Director
|
$0 | $0 | $0 |
| Year | Revenue | Expenses | Assets | Net Income |
|---|---|---|---|---|
| 2025 | $1,768,680 | $745,050 | No data | $1,023,630 |
| 2024 | $2,753,280 | $1,135,760 | $51,382,725 | $1,617,520 |
| 2023 | $2,036,428 | $1,072,230 | $48,288,757 | $964,198 |
| 2022 | $1,485,341 | $968,899 | $45,344,846 | $516,442 |
| 2021 | $1,330,432 | $802,903 | $42,924,701 | $527,529 |
| 2020 | $1,336,910 | $771,742 | $37,411,497 | $565,168 |
| 2019 | $1,350,054 | $751,488 | $32,651,854 | $598,566 |
| 2018 | $1,250,825 | $713,968 | $30,633,690 | $536,857 |
Compare Moonlight Credit Union with other nonprofits in Pennsylvania and across the country.