OTTAWA HIWAY CREDIT UNION (EIN 362512001) - 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

1963

Legal Domicile

Principal Officer

DEBRA ROSENCRANS

Phone

8154348475

Tax Period

2023-01-01 to 2023-12-31

OTTAWA HIWAY CREDIT UNION, founded in 1963, is a small nonprofit that reported $414K in total revenue in fiscal year 2018. Revenue grew 9% year-over-year, indicating healthy expansion. The organization ran a surplus of $77K, a strong 19% operating margin.

Mission

TO ASSIST OUR MEMBERS IN THE MANAGEMENT OF THEIR FINANCIAL WELL- BEING BY PROVIDING LOANS, SAVINGS ACCOUNTS, AND OTHER FINANCIAL INSTITUTION SERVICES IN A FRIENDLY AND PROFESSIONAL MANNER.

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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 (2023)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $430,913

Investment Income $184,637

Other Revenue $2,404

TOTAL REVENUE $617,954

Expense Breakdown

Grants Paid $0

Salaries & Benefits $224,580

Fundraising Expenses $0

Other Expenses $233,982

TOTAL EXPENSES $458,562

Year-over-Year Comparison

	2023	2022	Change
Revenue	$617,954	$523,399	+0.2%
Expenses	$458,562	$391,060	+0.2%
Net Income	$159,392	$132,339	+0.2%

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

$99,335

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
RYAN LINDENMANN	TREASURER	1.00	Director	$0	$0	$0
DAVID ALEXANDER	VICE CHAIRPERSON	1.00	Director	$0	$0	$0
KYLE VIDEGAR	DIRECTOR	1.00	Director	$0	$0	$0
KRISTINA FOGARTY	SECRETARY	1.00	Director	$0	$0	$0
JUNIOR SENAT	DIRECTOR	1.00	Director	$0	$0	$0
VINCENT CZIBOR	DIRECTOR	1.00	Director	$0	$0	$0
RONALD POHAR II	CHAIRPERSON	1.00	Director	$0	$0	$0
KAYLA CROWTHER	DIRECTOR	1.00	Director	$0	$0	$0
BRANDI WALKER	DIRECTOR	1.00	Director	$0	$0	$0
DEBRA ROSENCRANS	PRESIDENT	40.00	Officer	$61,236	$38,099	$99,335

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	No data	No data	No data	No data
2024	No data	No data	No data	No data
2023	$617,954	$458,562	$15,115,133	$159,392
2022	$523,399	$391,060	$14,538,794	$132,339
2021	$460,774	$351,360	$14,358,911	$109,414
2020	$459,999	$379,339	$12,455,344	$80,660
2019	$474,550	$374,224	$11,185,096	$100,326
2018	$414,127	$336,704	$10,776,505	$77,423

OTTAWA HIWAY CREDIT UNION