US 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

1953

Legal Domicile

Principal Officer

Eric Stiegel

Phone

3129225310

Tax Period

2025-01-01 to 2025-12-31

US Employees Credit Union, founded in 1953, is a community nonprofit in the Public & Societal Benefit sector that reported $5.5M in total revenue in fiscal year 2025. Revenue grew 12% year-over-year, indicating healthy expansion. The organization ran a surplus of $1.2M, a strong 21% operating margin.

Mission

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 competitive rate of interest.

Program Service Accomplishments

Program 1

Credit Union makes and services consumer and real estate loans to members. The number of loans outstanding at 12/31/25 was 131,991 for a total of $27,013,602.

Program 2

Credit Union pays out dividends to its members share deposit accounts at a market rate of interest. The number of share accounts at 12/31/25 was 5,957 for a total of $88,232,750.

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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 $3,166,766

Investment Income $2,314,320

Other Revenue $12,600

TOTAL REVENUE $5,493,686

Expense Breakdown

Grants Paid $0

Salaries & Benefits $2,290,353

Fundraising Expenses $0

Other Expenses $2,023,408

TOTAL EXPENSES $4,313,761

Year-over-Year Comparison

	2025	2024	Change
Revenue	$5,493,686	$4,915,539	+0.1%
Expenses	$4,313,761	$4,178,896	+0.0%
Net Income	$1,179,925	$736,643	+0.6%

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

$1,397,428

Total Directors

$549,368

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Paul E Durbak	Chairman	2.00	Officer Director	$0	$0	$0
Therese Anderson	Vice-Chairman/Secretary	2.00	Officer Director	$0	$0	$0
Eric Stiegel	CU CEO/Board Treasurer	40.00	Officer Director	$491,123	$58,245	$549,368
Michael Myers	Director	2.00	Director	$0	$0	$0
John Kuck	Director	2.00	Director	$0	$0	$0
Steve Slamar	Director	2.00	Director	$0	$0	$0
Cherie McClendon	Director	2.00	Director	$0	$0	$0
Nilda R Padin	Chief Operating Officer	40.00	Officer	$272,844	$36,789	$309,633
John Morin	VP-Information Technology	40.00	Officer	$207,906	$23,500	$231,406
Frank Nicholson	Chief Financial Officer	40.00	Officer	$276,240	$30,781	$307,021

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	$5,493,686	$4,313,761	$101,522,489	$1,179,925
2024	No data	No data	No data	No data
2023	$4,423,407	$4,066,628	$98,770,932	$356,779
2022	$4,317,476	$3,635,414	$101,726,447	$682,062
2021	$3,921,100	$3,427,272	$100,781,168	$493,828
2020	$3,975,488	$3,664,732	$95,275,894	$310,756
2019	$4,663,214	$4,294,606	$84,234,411	$368,608
2018	$4,448,715	$4,188,215	$85,910,362	$260,500