MYUSA CREDIT UNION INC

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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

1934

Principal Officer

JAMES MILES

Phone

5134208640

Tax Period

2025-01-01 to 2025-12-31

MYUSA CREDIT UNION INC, founded in 1934, is a mid-sized nonprofit that reported $19.8M in total revenue in fiscal year 2025. Expenses of $17.2M left a modest 13% surplus.

Mission

TO ASSIST MEMBER OWNERS IN GAINING PERSONAL FINANCIAL SUCCESS BY PROVIDING AND PROMOTING THE USE OF FINANCIAL SERVICES WHICH FEATURE BENEFITS AND ADVANTAGES OVER THOSE AVAILABLE FROM OTHER COMPETITIVE SOURCES.

Program Service Accomplishments

Program 1

DIVIDENDS AND INTEREST PAID TO MEMBERS ON APPROXIMATELY 43,374 DEPOSIT ACCOUNTS HELD BY APPROXIMATELY 18,242 MEMBERS.

Program 2

DIRECT LABOR AND EMPLOYEE BENEFIT COSTS INCURRED PROVIDING SAVINGS DEPOSIT SERVICES, ORIGINATING NEW LOANS AND SERVICING THE LOAN PORTFOLIO FOR MEMBERS.

Program 3

DATA PROCESSING COSTS INCURRED RECORDING MEMBER ACCOUNTS ACTIVITY AND PROVIDING ACCESS TO MEMBERS TO THEIR ACCOUNTS.

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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 $625,000

Program Service Revenue $14,095,902

Investment Income $5,115,784

Other Revenue $0

TOTAL REVENUE $19,836,686

Expense Breakdown

Grants Paid $0

Salaries & Benefits $6,315,113

Fundraising Expenses $0

Other Expenses $7,253,203

TOTAL EXPENSES $17,230,396

Year-over-Year Comparison

	2025	2024	Change
Revenue	$19,836,686	$18,460,896	+0.1%
Expenses	$17,230,396	$17,682,128	0.0%
Net Income	$2,606,290	$778,768	+2.3%

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

Independent Members

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

$990,570

Total Directors

$65,521

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JAMES MILES	CEO	40.00	Officer	$498,969	$26,800	$525,769
KENDRICK WALKER	VP MARKETING	40.00	Officer	$133,990	$24,890	$158,880
JENNIFER TUCKER	VP OF ADMINI	40.00	Officer	$119,298	$24,296	$143,594
MARGARET HALE	VP OPERATION	40.00	Officer	$108,963	$17,076	$126,039
TYLER HENRY	DIRECTOR	1.00	Director	$12,096	$0	$12,096
CHRISTINA MCELFRESH	SECRETARY	1.00	Officer Director	$12,096	$0	$12,096
KYLE MCGLONE	CHAIRMAN	1.00	Officer Director	$12,096	$0	$12,096
CATHERINE MCMONIGLE	VICE CHAIRMA	1.00	Officer Director	$12,096	$0	$12,096
DELVEN PORTER	DIRECTOR	1.00	Director	$12,096	$0	$12,096
RYAN ZARBAUGH	DIRECTOR	1.00	Director	$5,041	$0	$5,041

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	$19,836,686	$17,230,396	$337,751,556	$2,606,290
2024	$18,460,896	$17,682,128	$329,590,644	$778,768
2023	$17,347,880	$15,133,270	$312,810,350	$2,214,610
2022	$15,186,587	$12,725,266	$339,145,171	$2,461,321
2021	$12,884,021	$9,697,194	$349,265,766	$3,186,827
2020	$9,523,309	$8,411,864	$223,969,142	$1,111,445
2019	$11,406,841	$9,114,261	$209,938,372	$2,292,580
2018	$10,553,594	$8,763,486	$208,647,765	$1,790,108