NATCO CREDIT UNION (EIN 351047478) - 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

1945

Legal Domicile

Principal Officer

LISA HUNTINGTON

Phone

7659622561

Tax Period

2025-01-01 to 2025-12-31

NATCO CREDIT UNION, founded in 1945, is a mid-sized nonprofit in the Public & Societal Benefit sector that reported $16.3M in total revenue in fiscal year 2025. Expenses of $14.3M left a modest 12% surplus.

Mission

COOPERATIVE FINANCIAL INSTITUTION

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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 $15,258,160

Investment Income $995,518

Other Revenue $0

TOTAL REVENUE $16,253,678

Expense Breakdown

Grants Paid $0

Salaries & Benefits $6,362,978

Fundraising Expenses $0

Program Expenses $14,330,038

Other Expenses $7,967,060

TOTAL EXPENSES $14,330,038

Year-over-Year Comparison

	2025	2024	Change
Revenue	$16,253,678	$15,620,397	+0.0%
Expenses	$14,330,038	$13,834,758	+0.0%
Net Income	$1,923,640	$1,785,639	+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

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

$1,262,858

Total Directors

$1,138,081

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CYNTHIA DUKE	CEO/PRESIDENT	40.00	Officer Director	$1,138,081	$0	$1,138,081
MIKE HELMS	CHAIRPERSON	1.00	Officer Director	$0	$0	$0
LINDA SHERROW	DIRECTOR	1.00	Director	$0	$0	$0
JACK BUCKLAND	VICE CHAIRPERSON	1.00	Officer Director	$0	$0	$0
DAVID NUTTY	DIRECTOR	1.00	Officer Director	$0	$0	$0
PAM PEARSON	DIRECTOR	1.00	Director	$0	$0	$0
CARL RINEHART	SECRETARY	1.00	Director	$0	$0	$0
SHERRY DILLON	ADMINISTRATIVE DIRECTOR	40.00	Officer	$124,777	$0	$124,777

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	$16,253,678	$14,330,038	$152,020,124	$1,923,640
2024	No data	No data	No data	No data
2023	$17,076,231	$12,355,665	$147,381,680	$4,720,566
2022	$12,112,969	$9,749,351	$141,781,366	$2,363,618
2021	$10,613,875	$8,082,443	$134,204,698	$2,531,432
2020	$9,950,492	$8,679,724	$114,148,904	$1,270,768
2019	$10,301,500	$8,969,533	$91,464,921	$1,331,967
2018	$9,273,732	$8,216,546	$84,329,667	$1,057,186

NATCO CREDIT UNION