SELECT EMPLOYEES CREDIT UNION

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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

1940

Legal Domicile

Principal Officer

SUSAN M BRANCH

Phone

8156268181

Tax Period

2025-01-01 to 2025-12-31

SELECT EMPLOYEES CREDIT UNION, founded in 1940, is a community nonprofit that reported $4.0M in total revenue in fiscal year 2025. The organization ran a surplus of $1.2M, a strong 30% operating margin.

Mission

THE SELECT EMPLOYEES CREDIT UNION WILL MEET THE NEEDS OF MEMBERS BY PROVIDING FINANCIAL PRODUCTS AND SERVICES DELIVERED WITH INTEGRITY, PERSONAL CARE AND INDIVIDUALIZED ATTENTION.

Program Service Accomplishments

Program 1

MADE SHARE OVERDRAFT PROTECTION LOANS, HOME EQUITY LOANS, SHARE SECURED LOANS, AND VISA LOANS TO MEMBERS. TOTAL LOANS AT THE END OF 2025 WERE $48,742,309 THIS NUMBER CONSISTED OF CONSUMER LOANS OF...

MADE SHARE OVERDRAFT PROTECTION LOANS, HOME EQUITY LOANS, SHARE SECURED LOANS, AND VISA LOANS TO MEMBERS. TOTAL LOANS AT THE END OF 2025 WERE $48,742,309 THIS NUMBER CONSISTED OF CONSUMER LOANS OF $36,157,781, REAL ESTATE LOANS OF $11,645,347, AND VISA LOANS OF $939,205. THE CREDIT UNION'S GOAL IS TO HAVE AN 80% LOANS TO ASSET RATIO AND AN 85% LOANS TO SHARES RATIO. AT THE END OF 2025 THE LOANS TO ASSETS RATIO WAS 64.27% AND LOANS TO SHARE WAS 73.65%

Program 2

ACCEPTED DEPOSITS AND ISSUED SHARE CERTIFICATES TO MEMBERS. TOTAL SHARE BALANCES AT THE END OF 2025 WERE $66,180,846. THIS NUMBER CONSISTED OF SHARE BALANCES OF $47,343,611 SHARE BALANCE DRAFT OF...

ACCEPTED DEPOSITS AND ISSUED SHARE CERTIFICATES TO MEMBERS. TOTAL SHARE BALANCES AT THE END OF 2025 WERE $66,180,846. THIS NUMBER CONSISTED OF SHARE BALANCES OF $47,343,611 SHARE BALANCE DRAFT OF $16,767,374, AND INDIVIDUAL RETIREMENT ACCOUNT (IRA)/CERTIFICATE OF DEPOSIT BALANCES OF $2,069,862.

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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 $3,119,544

Investment Income $913,497

Other Revenue $0

TOTAL REVENUE $4,033,041

Expense Breakdown

Grants Paid $0

Salaries & Benefits $891,010

Fundraising Expenses $0

Other Expenses $1,922,904

TOTAL EXPENSES $2,813,914

Year-over-Year Comparison

	2025	2024	Change
Revenue	$4,033,041	$3,893,959	+0.0%
Expenses	$2,813,914	$2,523,239	+0.1%
Net Income	$1,219,127	$1,370,720	-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

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

$150,294

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MR RICHARD DOUGLAS	CHAIRMAN	1.00	Officer Director	$0	$0	$0
MR KEVIN O'KEEFE	SECRETARY	1.00	Officer Director	$0	$0	$0
MS KATHRYN BOYLE	TREASURER	1.00	Officer Director	$0	$0	$0
MR ANDREW BEVEROTH	MEMBER	1.00	Director	$0	$0	$0
MR JEFFEREY HIPPEN	MEMBER	1.00	Director	$0	$0	$0
MS CINDY VONHOLTEN	MEMBER	1.00	Director	$0	$0	$0
MR TIMOTHY MORGAN	VICE CHAIRMAN	1.00	Officer Director	$0	$0	$0
MS SUSAN BRANCH	CEO	40.00	Officer	$132,600	$17,694	$150,294

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	$4,033,041	$2,813,914	$75,838,675	$1,219,127
2024	$3,893,959	$2,523,239	$68,111,294	$1,370,720
2023	$3,557,535	$2,170,400	$68,639,509	$1,387,135
2022	$2,407,136	$1,864,459	$68,097,694	$542,677
2021	$2,354,652	$1,789,599	$64,870,020	$565,053
2020	$2,225,889	$1,934,906	$56,841,869	$290,983
2019	$2,454,851	$1,835,981	$45,845,335	$618,870