AMERICAN NICKELOID EMPLOYEES DBA ANCO COMMUNITY CREDIT UNION

EIN: 362351886

LASALLE, IL

Total Revenue
$519,226
Total Expenses
$575,590
Total Assets
$12,124,161
Net Assets
$595,079
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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
1956
Legal Domicile
IL
Principal Officer
WANDA BUNZELL
Phone
8152238410
Tax Period
2025-01-01 to 2025-12-31

AMERICAN NICKELOID EMPLOYEES DBA ANCO COMMUNITY CREDIT UNION, founded in 1956, is a small nonprofit that reported $519K in total revenue in fiscal year 2025. Expenses of $576K exceeded revenue, resulting in a 11% operating deficit.

Mission

To meet our members financial needs through integrity and quality service.

Program Service Accomplishments

Program 1

THE CREDIT UNION PROVIDES SEVERAL DEPOSIT ACCOUNT TYPES TO MEMBERS INCLUDING SAVINGS, CHECKING, CERTIFICATES AND OTHER. THE TOTAL NUMBER OF MEMBERS AT 12/31/2025 WAS 2,333.

Program 2

THE CREDIT UNION PROVIDES A VARIETY OF LOANS TO MEMBERS INCLUDING REAL ESTATE, CREDIT CARD, VEHICLE AND OTHER. THE TOTAL NUMBER OF LOANS OUTSTANDING AT 12/31/2025 WAS 693 .

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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 (2025)

Revenue Breakdown

Contributions & Grants $0
Program Service Revenue $380,014
Investment Income $139,212
Other Revenue $0
TOTAL REVENUE $519,226

Expense Breakdown

Grants Paid $0
Salaries & Benefits $199,156
Fundraising Expenses $0
Other Expenses $376,434
TOTAL EXPENSES $575,590

Year-over-Year Comparison

2025 2024 Change
Revenue $519,226 $529,817 0.0%
Expenses $575,590 $574,139 +0.0%
Net Income $-56,364 $-44,322 +0.3%
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
8
Employees
13
Volunteers
8

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
$72,266
Total Directors
8
$0
Key Employees
0
$0
Highest Compensated
0
reported
Name Title Hours/Week Role Reportable Comp Other Comp Total
WANDA BUNZELL CEO 40.00
Officer
$70,000 $2,266 $72,266
LAURIE ERNAT Secretary 1.00
Director
$0 $0 $0
BLAKE FRUND Director 1.00
Director
$0 $0 $0
RAY GATZA Chairman 1.00
Director
$0 $0 $0
CHRIS HOLTZMAN Director 1.00
Director
$0 $0 $0
JEFF MARINCIC Director 1.00
Director
$0 $0 $0
JANE OUSEC Director 1.00
Director
$0 $0 $0
JEREMY REED Director 1.00
Director
$0 $0 $0
LINDA TONELLI Director 1.00
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 $519,226 $575,590 $12,124,161 $-56,364
2024 $529,817 $574,139 $10,832,779 $-44,322
2023 $516,889 $549,949 $11,430,603 $-33,060
2022 $584,045 $681,911 $12,477,717 $-97,866
2021 $523,587 $508,613 $12,734,731 $14,974
2020 $501,014 $588,418 $12,103,313 $-87,404
2019 $492,626 $581,751 $12,156,706 $-89,125
2018 $464,688 $513,530 $12,483,348 $-48,842
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