1337 THE WAY CREDIT UNION INC (EIN 341366902) - 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

1982

Legal Domicile

Principal Officer

Jean-Yves De Lisle

Phone

4197531312

Tax Period

2025-01-01 to 2025-12-31

1337 THE WAY CREDIT UNION INC, founded in 1982, is a small nonprofit that reported $514K in total revenue in fiscal year 2025. Revenue surged 21% from the prior year, signaling strong growth momentum. Expenses of $458K left a modest 11% surplus.

Mission

The Way Credit Union exists to provide a financial cooperative to promote thrift and prosperity among its 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 $0

Investment Income $512,069

Other Revenue $2,343

TOTAL REVENUE $514,412

Expense Breakdown

Grants Paid $0

Salaries & Benefits $128,569

Fundraising Expenses $0

Program Expenses $1,182

Other Expenses $136,983

TOTAL EXPENSES $457,844

Year-over-Year Comparison

	2025	2024	Change
Revenue	$514,412	$425,780	+0.2%
Expenses	$457,844	$398,768	+0.1%
Net Income	$56,568	$27,012	+1.1%

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

Employees

N/A

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

$56,034

Total Directors

$56,034

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Jean-Yves De Lisle	Treasurer Manager CEO	48.0	Officer Director	$56,034	$0	$56,034
Jerry Martinez	Chairman	4.00	Officer Director	$0	$0	$0
Michael Quigley	Vice Chairman	3.00	Officer Director	$0	$0	$0
Jacob Prewett	Director/ISO	4.00	Officer Director	$0	$0	$0
Erik Stanbridge	Director	3.00	Director	$0	$0	$0
Hannah Stanley	Secretary	4.00	Officer Director	$0	$0	$0
Russ Townsend	Director	4.00	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	$514,412	$457,844	$15,615,572	$56,568
2024	$425,780	$398,768	$14,112,525	$27,012
2023	$336,001	$320,339	$14,027,837	$15,662
2022	$256,447	$256,279	$14,206,095	$168
2021	$244,076	$231,120	$13,529,005	$12,956
2020	$233,353	$227,420	$13,594,622	$5,933
2019	$269,288	$262,602	$12,367,355	$6,686
2018	$227,972	$214,506	$12,176,308	$13,466

1337 THE WAY CREDIT UNION INC