ROCK VALLEY CREDIT UNION (EIN 362659309) - 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

1968

Legal Domicile

Principal Officer

DARLYNE KELLER

Phone

8152820300

Tax Period

2025-01-01 to 2025-12-31

ROCK VALLEY CREDIT UNION, founded in 1968, is a mid-sized nonprofit in the Public & Societal Benefit sector that reported $13.4M in total revenue in fiscal year 2025. Revenue grew 19% year-over-year, indicating healthy expansion. Expenses of $11.8M left a modest 12% surplus.

Mission

ROCK VALLEY CREDIT UNION IS A COOPERATIVE NON-PROFIT ASSOCIATION, ORGANIZED UNDER THE NATIONAL CREDIT UNION ACT FOR THE PURPOSES OF ENCOURAGING THRIFT AMONG ITS MEMBERS, AND PROVIDING A SOURCE OF CREDIT AT REASONABLE RATES OF INTEREST.

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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 $12,800,468

Investment Income $597,797

Other Revenue $0

TOTAL REVENUE $13,398,265

Expense Breakdown

Grants Paid $0

Salaries & Benefits $4,333,679

Fundraising Expenses $0

Program Expenses $11,830,953

Other Expenses $7,497,274

TOTAL EXPENSES $11,830,953

Year-over-Year Comparison

	2025	2024	Change
Revenue	$13,398,265	$11,303,297	+0.2%
Expenses	$11,830,953	$10,753,682	+0.1%
Net Income	$1,567,312	$549,615	+1.9%

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

$267,424

Total Directors

Key Employees

$173,990

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DAVID GILL	CHAIRPERSON	1.00	Officer Director	$0	$0	$0
LYNNE KOWALCZYK	TREASURER	1.00	Officer Director	$0	$0	$0
DEBBIE ARANKI	VICE CHAIRPERSON	1.00	Officer Director	$0	$0	$0
PAUL DIONNE	SECRETARY	1.00	Director	$0	$0	$0
SHONDA WILSON	DIRECTOR	1.00	Director	$0	$0	$0
MARTIN REYES	DIRECTOR	1.00	Director	$0	$0	$0
CLAUDIA CONSUELOS	DIRECTOR	1.00	Director	$0	$0	$0
ANNTONISHA WILLIAMS	DIRECTOR	1.00	Director	$0	$0	$0
DARLYNE KELLER	CEO	40.00	Officer	$247,813	$19,611	$267,424
JODI APPELGREN	VICE PRESIDENT OF FINANCE	40.00	Key Emp	$158,235	$15,755	$173,990
MATT PAPOCCIA	VICE PRESIDENT OF LENDING	40.00	Highest	$158,910	$17,114	$176,024
MARK D'ANGELO	VP OF MEMBER EXPERIENCE	40.00	Highest	$138,726	$21,319	$160,045
BRIAN FISCHER	EMPLOYEE	40.00	Highest	$132,663	$14,898	$147,561
ANA MONTOYA	VP OF MARKETING	40.00	Highest	$104,218	$9,829	$114,047

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	$13,398,265	$11,830,953	$172,275,711	$1,567,312
2024	$11,303,297	$10,753,682	$162,201,724	$549,615
2023	$10,281,588	$9,636,877	$155,845,592	$644,711
2022	$10,229,890	$8,497,661	$148,256,688	$1,732,229
2021	$9,262,082	$7,820,556	$147,532,659	$1,441,526
2020	$8,722,328	$7,251,043	$135,085,441	$1,471,285

ROCK VALLEY CREDIT UNION