FIELDSTONE CREDIT UNION

EIN: 362261646

BRADLEY, IL

Total Revenue
$3,293,262
Total Expenses
$2,811,401
Total Assets
$53,898,639
Net Assets
$7,689,820
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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
1953
Legal Domicile
IL
Principal Officer
MARK BARON
Phone
8159291870
Tax Period
2024-01-01 to 2024-12-31

FIELDSTONE CREDIT UNION, founded in 1953, is a community nonprofit that reported $3.3M in total revenue in fiscal year 2024. Revenue surged 21% from the prior year, signaling strong growth momentum. Expenses of $2.8M left a modest 15% surplus.

Mission

FIELDSTONE CREDIT UNION EXISTS TO MEET THE CHANGING FINANCIAL NEEDS OF OUR MEMBERSHIP BY PROVIDING FAIR AND COMPETITIVE SERVICES WHILE MAINTAINING LONG-TERM FINANCIAL SECURITY FOR THE CREDIT UNION AND ITS MEMBERS.

Program Service Accomplishments

Program 1

FIELDSTONE CREDIT UNION SERVES MEMBERS BY PROVIDING LOW COST FINANCIAL SERVICES SUCH AS SAVINGS ACCOUNTS, CHECKING ACCOUNTS, TIME DEPOSITS AND LOANS.

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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%)

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Financial Overview (2024)

Revenue Breakdown

Contributions & Grants $0
Program Service Revenue $2,418,684
Investment Income $655,252
Other Revenue $219,326
TOTAL REVENUE $3,293,262

Expense Breakdown

Grants Paid $0
Salaries & Benefits $1,222,311
Fundraising Expenses $0
Other Expenses $1,589,090
TOTAL EXPENSES $2,811,401

Year-over-Year Comparison

2024 2023 Change
Revenue $3,293,262 $2,722,828 +0.2%
Expenses $2,811,401 $2,407,198 +0.2%
Net Income $481,861 $315,630 +0.5%
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

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Governance

Voting Members
9
Independent Members
7
Employees
16
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
5
$239,338
Total Directors
9
$239,338
Key Employees
0
$0
Highest Compensated
0
reported
Name Title Hours/Week Role Reportable Comp Other Comp Total
MARK BARON PRESIDENT 40.00
Officer Director
$131,102 $0 $131,102
DEBBIE EILTS VP OF LENDIN 40.00
Officer Director
$108,236 $0 $108,236
EMILEY BLAIR DIRECTOR N/A
Director
$0 $0 $0
WAYNE DELABRE DIRECTOR N/A
Director
$0 $0 $0
CONNIE HENDRICKSON DIRECTOR N/A
Director
$0 $0 $0
CONSTANCE HINES VICE CHAIIRP N/A
Officer Director
$0 $0 $0
LEO LEWIS CHAIRPERSON N/A
Officer Director
$0 $0 $0
DEMETRA PROCTOR SECRETARY/TR N/A
Officer Director
$0 $0 $0
BRIAN RAPP DIRECTOR N/A
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 No data No data No data No data
2024 $3,293,262 $2,811,401 $53,898,639 $481,861
2023 $2,722,828 $2,407,198 $52,974,657 $315,630
2022 $2,368,480 $2,086,752 $58,104,454 $281,728
2021 $2,417,242 $2,036,120 $58,300,352 $381,122
2020 $2,200,505 $2,054,726 $53,503,197 $145,779
2019 $2,348,046 $1,974,526 $45,690,262 $373,520
2018 $2,244,825 $1,966,128 $44,615,388 $278,697
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