JOLIET, IL
4 risk indicators measuring financial stability and operational resilience
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Sign In — Free (10 views/day)NUMARK CREDIT UNION, founded in 1954, is a mid-sized nonprofit in the Public & Societal Benefit sector that reported $17.3M in total revenue in fiscal year 2018. Expenses of $15.0M left a modest 13% surplus.
THE CREDIT UNION OPERATES TO ENCOURAGE THRIFT AMONG ITS MEMBERS, CREATE A SOURCE OF CREDIT AT A REASONABLE RATE OF INTEREST, AND TO PROVIDE AN OPPORTUNITY FOR ITS MEMBERS TO USE AND CONTROL THEIR OWN MONEY IN ORDER TO IMPROVE THEIR ECONOMIC AND SOCIAL CONDITIONS.
Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency
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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)
Sign In — Free (10 views/day)| 2025 | 2024 | Change | |
|---|---|---|---|
| Revenue | $61,360,817 | $53,554,643 | +0.1% |
| Expenses | $55,401,558 | $46,964,464 | +0.2% |
| Net Income | $5,959,259 | $6,590,179 | -0.1% |
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
Sign In| Name | Title | Hours/Week | Role | Reportable Comp | Other Comp | Total |
|---|---|---|---|---|---|---|
| WALLY CHLIPALA | DIRECTOR | 4.00 |
Director
|
$0 | $0 | $0 |
| DAVE HARRIS | DIRECTOR | 4.00 |
Director
|
$0 | $0 | $0 |
| CLIFFORD STRUTHERS | CHAIRPERSON | 4.00 |
Director
|
$0 | $0 | $0 |
| RAYMOND EICH | SECRETARY | 4.00 |
Director
|
$0 | $0 | $0 |
| STEVEN MAGRUDER | DIRECTOR | 4.00 |
Director
|
$0 | $0 | $0 |
| JIM BROZ | TREASURER | 4.00 |
Director
|
$0 | $0 | $0 |
| GEORGE FIEGLE | DIRECTOR | 4.00 |
Director
|
$0 | $0 | $0 |
| DENNIS HUGHES | DIRECTOR | 4.00 |
Director
|
$0 | $0 | $0 |
| JOE JOSEPH | VICE CHAIRPERSON | 4.00 |
Director
|
$0 | $0 | $0 |
| GREG ZILINSKY | DIRECTOR | 4.00 |
Director
|
$0 | $0 | $0 |
| MICHELLE BALOG | PRESIDENT/CEO | 40.00 |
Officer
|
$368,521 | $41,178 | $409,699 |
| BERNARD NIEWOEHNER | EVP | 40.00 |
Officer
|
$219,014 | $26,803 | $245,817 |
| DEBBIE REED | CFO | 40.00 |
Officer
|
$214,642 | $37,944 | $252,586 |
| STEVE CLARK | CLO | 40.00 |
Officer
|
$226,648 | $57,792 | $284,440 |
| KEVIN QUINN | CIO | 40.00 |
Key Emp
|
$225,019 | $64,510 | $289,529 |
| SUSAN PFEIFFER | SR MORTGAGE LOAN ORIGINATO | 40.00 |
Key Emp
|
$195,580 | $35,293 | $230,873 |
| HARRY STEWART | VP OF MORTGAGE LENDING | 40.00 |
Key Emp
|
$198,754 | $30,614 | $229,368 |
| JESSICA MELLEN | CXO | 40.00 |
Key Emp
|
$208,613 | $25,709 | $234,322 |
| LAURIE VEASY | VP OF LENDING | 40.00 |
Key Emp
|
$180,012 | $17,032 | $197,044 |
| MARK GOVEDNIK | SR VP COMMERCIAL AND AG LENDING | 40.00 |
Key Emp
|
$181,857 | $31,282 | $213,139 |
| LLOYD FREDENDALL | FORMER PRESIDENT AND CEO | 40.00 |
|
$232,701 | $120,005 | $352,706 |
| Year | Revenue | Expenses | Assets | Net Income |
|---|---|---|---|---|
| 2025 | $61,360,817 | $55,401,558 | $884,714,514 | $5,959,259 |
| 2024 | $53,554,643 | $46,964,464 | $850,364,152 | $6,590,179 |
| 2023 | $46,732,952 | $41,485,307 | $765,603,358 | $5,247,645 |
| 2022 | $34,998,113 | $28,421,361 | $632,867,076 | $6,576,752 |
| 2021 | $32,569,723 | $26,446,095 | $604,429,082 | $6,123,628 |
| 2020 | $22,576,443 | $17,168,915 | $332,473,576 | $5,407,528 |
| 2019 | $19,483,429 | $16,252,885 | $271,954,110 | $3,230,544 |
| 2018 | $17,293,415 | $15,032,955 | $258,664,451 | $2,260,460 |
Compare NUMARK CREDIT UNION with other nonprofits in Illinois and across the country.