NORTH DISTRICTS COMMUNITY CREDIT UNION (EIN 251121633) - 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

1942

Legal Domicile

Principal Officer

PAUL FER0

Phone

7244448181

Tax Period

2025-01-01 to 2025-12-31

NORTH DISTRICTS COMMUNITY CREDIT UNION, founded in 1942, is a community nonprofit that reported $2.3M in total revenue in fiscal year 2025. The organization ran a surplus of $506K, a strong 22% operating margin.

Mission

PROMOTING THRIFT AMONG ITS MEMBERS BY CREATING A SOURCE OF CREDIT FOR SUCH MEMBERS AT REASONABLE RATES OF CREDIT

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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 $1,228,618

Program Service Revenue $0

Investment Income $1,085,833

Other Revenue $0

TOTAL REVENUE $2,314,451

Expense Breakdown

Grants Paid $0

Salaries & Benefits $631,348

Fundraising Expenses $0

Program Expenses $382,622

Other Expenses $794,155

TOTAL EXPENSES $1,808,124

Year-over-Year Comparison

	2025	2024	Change
Revenue	$2,314,451	$2,368,392	0.0%
Expenses	$1,808,124	$1,097,587	+0.6%
Net Income	$506,327	$1,270,805	-0.6%

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

N/A

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

$12,680

Total Directors

$52,440

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
PAUL FERO	CEO	60.00		$199,869	$20,000	$219,869
MARY A FOX	DIRECTOR	6.00	Director	$14,760	$0	$14,760
RONALD J LUNARDI	AUDIT COMMITTEE	10.00	Director	$11,200	$0	$11,200
MARY L ELLENA-WYGONIK	AUDIT COMMITTEE	6.00	Director	$9,200	$0	$9,200
BARBARA MCCALLEY	VP	4.00	Officer Director	$5,880	$0	$5,880
ROBERT WISKEMAN	PRESIDENT	10.00	Officer Director	$3,400	$0	$3,400
THOMAS CASTELLO	AUDIT COMMITTEE	5.00	Officer	$3,400	$0	$3,400
TED THIMONS	EMIRITUS	4.00		$3,100	$0	$3,100
DONNA CASTELLO	BOARD MEMBER	3.00	Director	$3,000	$0	$3,000
JOSEPH MERHAUT	BOARD MEMBER	3.00	Director	$2,600	$0	$2,600
MYAH A WERKMEISTER	REC SECRETARY	0.00	Director	$2,400	$0	$2,400

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	$2,314,451	$1,808,124	$44,690,875	$506,327
2024	$2,368,392	$2,034,889	$43,856,264	$333,503
2023	$2,037,710	$1,225,975	$62,147,264	$811,735
2022	$1,412,009	$951,291	$47,911,875	$460,718
2021	$1,202,705	$991,964	$44,616,358	$210,741
2020	$1,412,619	$1,000,673	$41,650,263	$411,946
2019	$1,480,739	$1,047,017	$36,239,999	$433,722
2018	$1,316,103	$1,109,437	$36,168,806	$206,666

NORTH DISTRICTS COMMUNITY CREDIT UNION