Kankakee, IL
4 risk indicators measuring financial stability and operational resilience
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Sign In — Free (10 views/day)2 Rivers Area Credit Union, founded in 1951, is a community nonprofit that reported $1.6M in total revenue in fiscal year 2025. Expenses of $1.6M left a modest 4% surplus.
Illinois state chartered credit union operated for the mutual benefit of its members. The credit union makes loans to members and pays dividends to members with share deposits at a competetive rate of interest.
The credit union makes and services consumer loans and real estate loans to members. The number of loans outstanding at 12/31/25 is 1,665 for a total of $13,160,870.
The Credit Union pays out dividends on its members' share deposit accounts at a market rate of interest. The number of share accounts at 12/31/25 is 7,002 for a total of $21,050,713.
Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency
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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)
Sign In — Free (10 views/day)| 2025 | 2024 | Change | |
|---|---|---|---|
| Revenue | $1,619,722 | $1,574,518 | +0.0% |
| Expenses | $1,560,814 | $1,462,380 | +0.1% |
| Net Income | $58,908 | $112,138 | -0.5% |
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
Sign In| Name | Title | Hours/Week | Role | Reportable Comp | Other Comp | Total |
|---|---|---|---|---|---|---|
| Mary Westover | Chairman | 2.00 |
Officer
Director
|
$0 | $0 | $0 |
| John Absher | Vice-Chair | 2.00 |
Officer
Director
|
$0 | $0 | $0 |
| John Hogan | Treasurer | 2.00 |
Officer
Director
|
$0 | $0 | $0 |
| Brad Kuntz | Secretary | 2.00 |
Officer
Director
|
$0 | $0 | $0 |
| Thomas Maass | Director | 2.00 |
Director
|
$0 | $0 | $0 |
| Ronnie Collins | Director | 2.00 |
Director
|
$0 | $0 | $0 |
| Patricia Williams | Director | 2.00 |
Director
|
$0 | $0 | $0 |
| Marc Magiera | Director | 2.00 |
Director
|
$0 | $0 | $0 |
| Danita Swanson | President/Manager | 40.00 |
Officer
|
$136,952 | $0 | $136,952 |
| Year | Revenue | Expenses | Assets | Net Income |
|---|---|---|---|---|
| 2025 | $1,619,722 | $1,560,814 | $24,209,414 | $58,908 |
| 2024 | No data | No data | No data | No data |
| 2023 | $1,421,996 | $1,389,686 | $24,299,447 | $32,310 |
| 2022 | $1,420,049 | $1,375,395 | $25,117,085 | $44,654 |
| 2021 | $1,291,223 | $1,216,839 | $23,574,338 | $74,384 |
| 2020 | $1,211,117 | $1,404,116 | $21,074,743 | $-192,999 |
| 2019 | $1,182,129 | $1,162,812 | $18,161,752 | $19,317 |
| 2018 | $1,129,340 | $1,038,376 | $17,356,027 | $90,964 |
Compare 2 Rivers Area Credit Union with other nonprofits in Illinois and across the country.