Heights Auto Workers Credit Union (EIN 362419943) - 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

1956

Legal Domicile

Principal Officer

Yesenia R Chavez

Phone

7088916990

Tax Period

2024-01-01 to 2024-12-31

Heights Auto Workers Credit Union, founded in 1956, is a community nonprofit that reported $2.0M in total revenue in fiscal year 2018. Expenses of $1.9M left a modest 6% surplus.

Mission

To provide financial services to members that are rate competetive and convenient.

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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 (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $1,356,459

Investment Income $536,823

Other Revenue $0

TOTAL REVENUE $1,893,282

Expense Breakdown

Grants Paid $0

Salaries & Benefits $403,715

Fundraising Expenses $0

Other Expenses $1,532,954

TOTAL EXPENSES $1,936,669

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,893,282	$1,776,650	+0.1%
Expenses	$1,936,669	$1,712,929	+0.1%
Net Income	$-43,387	$63,721	-1.7%

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

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

$166,384

Total Directors

$38,834

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Terrie L Dust	Chairman	2.00	Officer Director	$37,429	$1,405	$38,834
JC Hefner	Treaurer	10.00	Officer Director	$0	$0	$0
Merrill Clark	Secretary	20.00	Officer Director	$0	$0	$0
Michael Scalzitti	Member	1.00	Director	$0	$0	$0
Michael Marzillo	Member	2.00	Director	$0	$0	$0
John Montella	Member	1.00	Director	$0	$0	$0
Deanna Bibbs	Member	2.00	Director	$0	$0	$0
Vicki Kaiser	Former Manager	40.00	Officer	$68,380	$2,080	$70,460
Yesenia R Chavez	Manager	40.00	Officer	$55,010	$2,080	$57,090

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
2024	$1,893,282	$1,936,669	$28,972,158	$-43,387
2023	$1,776,650	$1,712,929	$29,253,176	$63,721
2022	$2,012,858	$1,735,893	$30,896,395	$276,965
2021	$1,495,261	$1,811,746	$32,976,227	$-316,485
2020	$1,594,842	$1,827,105	$36,560,000	$-232,263
2019	$2,088,736	$1,933,504	$34,419,063	$155,232
2018	$1,992,040	$1,877,720	$34,570,345	$114,320

Heights Auto Workers Credit Union