ADVANTAGE ONE 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

1960

Legal Domicile

Principal Officer

BARBARA WISOWATY

Phone

8157727215

Tax Period

2025-01-01 to 2025-12-31

ADVANTAGE ONE CREDIT UNION, founded in 1960, is a community nonprofit that reported $1.2M in total revenue in fiscal year 2025. The organization ran a surplus of $266K, a strong 22% operating margin.

Mission

SERVING THE COMMUNITY BY PROVIDING CONVENIENT FINANCIAL SERVICES YOU TRUST.

Program Service Accomplishments

Program 1

THE CREDIT UNION HAS VARIOUS TYPES OF DEPOSIT ACCOUNTS AVAILABLE FOR OUR MEMBERS. WE OPENED 82 NEW DEPOSIT ACCOUNTS IN 2025. AS OF 12/31/25 WE HAD 2,379 MEMBERS.

Program 2

THE CREDIT UNION HAS SEVERAL TYPES OF LOAN PROGRAMS AVAILABLE FOR OUR MEMBERS. WE FUNDED 186 NEW LOANS DURING 2025. AS OF 12/31/25 WE HAD 81,307 LOANS RECEIVABLE.

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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 $917,476

Investment Income $300,692

Other Revenue $2,119

TOTAL REVENUE $1,220,287

Expense Breakdown

Grants Paid $3,010

Salaries & Benefits $353,418

Fundraising Expenses $0

Other Expenses $597,580

TOTAL EXPENSES $954,008

Year-over-Year Comparison

	2025	2024	Change
Revenue	$1,220,287	$1,146,512	+0.1%
Expenses	$954,008	$904,345	+0.1%
Net Income	$266,279	$242,167	+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

$89,353

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
AMY VENHUIZEN	PRESIDENT/CE	40.00	Officer	$83,457	$5,896	$89,353
MICHAEL BUCKWALTER	CHAIR	0.50	Officer Director	$0	$0	$0
KEN BURN	VICE CHAIR	0.50	Officer Director	$0	$0	$0
JANET FISHER	TREASURER	0.50	Officer Director	$0	$0	$0
DOUG PANNIER	SECRETARY	0.50	Officer Director	$0	$0	$0
SHELLY TIESMAN	SECRETARY	0.50	Officer Director	$0	$0	$0
LYNN DYKSTRA	DIRECTOR	0.50	Director	$0	$0	$0
JOHN BUTKUS	DIRECTOR	0.50	Director	$0	$0	$0
LORI SNOW	DIRECTOR	0.50	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	$1,220,287	$954,008	$24,836,264	$266,279
2024	$1,146,512	$904,345	$22,921,808	$242,167
2023	$1,038,852	$951,091	$23,442,663	$87,761
2022	$816,913	$870,061	$25,365,173	$-53,148
2021	$767,592	$754,067	$25,375,525	$13,525
2020	$777,858	$803,085	$23,544,738	$-25,227
2019	$1,022,829	$886,388	$21,145,532	$136,441
2018	$1,159,473	$839,234	$20,719,311	$320,239