EATON FAMILY CREDIT UNION INC (EIN 340711538) - 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

1937

Legal Domicile

Principal Officer

GINA S JACKSON

Phone

2169202000

Tax Period

2025-01-01 to 2025-12-31

EATON FAMILY CREDIT UNION INC, founded in 1937, is a community nonprofit that reported $4.9M in total revenue in fiscal year 2025. Net assets of $77.0M represent 188 months of operating reserves.

Mission

Eaton Family Credit Union provides financial services to its qualified members

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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 $4,395,667

Investment Income $518,277

Other Revenue $-2,584

TOTAL REVENUE $4,911,360

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,303,340

Fundraising Expenses $0

Program Expenses $2,963,848

Other Expenses $3,565,182

TOTAL EXPENSES $4,868,522

Year-over-Year Comparison

	2025	2024	Change
Revenue	$4,911,360	$4,812,634	+0.0%
Expenses	$4,868,522	$4,767,137	+0.0%
Net Income	$42,838	$45,497	-0.1%

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

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

Total Directors

Key Employees

$390,427

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MICHAEL T LOSNECK	Treasurer CEO	40.00	Key Emp	$183,169	$0	$183,169
BRIDGET F LEWIS	COO	40.00	Key Emp	$104,602	$0	$104,602
KELLY J SLOCUM	CFO	40.00	Key Emp	$102,656	$0	$102,656
MARC MANBURG	Director	2.00	Director	$0	$0	$0
EVELYEEN PROBERT	Director	2.00	Director	$0	$0	$0
DORIS YEE	Director	2.00	Director	$0	$0	$0
CHRISTOPHER JOCHUM	Director	2.00	Director	$0	$0	$0
SURESH BABU	Board Vice Chair	2.00	Officer	$0	$0	$0
GINA JACKSON	Chairperson Board	2.00	Officer	$0	$0	$0
MICHELLE FISCHER	Secretary	2.00	Officer	$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	$4,911,360	$4,868,522	$76,986,794	$42,838
2024	$4,812,634	$4,767,137	$75,465,726	$45,497
2023	$4,445,715	$4,234,273	$79,066,474	$211,442
2022	$3,888,337	$2,845,729	$76,338,729	$1,042,608
2021	$3,669,983	$3,279,968	$78,106,248	$390,015
2020	$3,607,621	$3,474,496	$71,768,980	$133,125
2019	$3,845,642	$3,948,717	$63,889,108	$-103,075
2018	$3,788,212	$3,617,143	$62,878,278	$171,069

EATON FAMILY CREDIT UNION INC