MEMBERSALLIANCE 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

1938

Legal Domicile

Principal Officer

LINDSEY DEBARTELO

Phone

8152262260

Tax Period

2025-01-01 to 2025-12-31

MEMBERSALLIANCE CREDIT UNION, founded in 1938, is a mid-sized nonprofit that reported $16.0M in total revenue in fiscal year 2025. Revenue decreased 5% compared to the prior year. Expenses of $14.1M left a modest 12% surplus.

Mission

TO BE THE LEADER IN OUR COMMUNITY IN PROVIDING FINANCIAL PRODUCTS, EXCEPTIONAL SERVICE, AND FINANCIAL EDUCATION.

Program Service Accomplishments

Program 1

Expenses: $14,127,866 Revenue: $16,001,055

PROVIDED CONSUMER, REAL ESTATE, AND HOME EQUITY LOANS TO MEMBERS AT COMPETITIVE INTERST RATES. THERE WERE 21,868 MEMBERS AND 13,883 LOANS TO MEMBERS TOTALING $190 MILLION AS OF DECEMBER 31, 2025...

PROVIDED CONSUMER, REAL ESTATE, AND HOME EQUITY LOANS TO MEMBERS AT COMPETITIVE INTERST RATES. THERE WERE 21,868 MEMBERS AND 13,883 LOANS TO MEMBERS TOTALING $190 MILLION AS OF DECEMBER 31, 2025. PROVIDED VARIOUS DEPOSIT ACCOUNTS TO MEMBERS AT COMPETITVE INTERST RATES. DEPOSIT ACCOUNTS TO MEMBERS TOTALED $260 MILLION AS OF DECEMBER 31, 2025.

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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 $13,687,463

Investment Income $2,313,592

Other Revenue $0

TOTAL REVENUE $16,001,055

Expense Breakdown

Grants Paid $0

Salaries & Benefits $6,530,856

Fundraising Expenses $0

Program Expenses $14,127,866

Other Expenses $7,597,010

TOTAL EXPENSES $14,127,866

Year-over-Year Comparison

	2025	2024	Change
Revenue	$16,001,055	$16,845,918	-0.1%
Expenses	$14,127,866	$13,502,429	+0.0%
Net Income	$1,873,189	$3,343,489	-0.4%

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

107

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

$682,802

Total Directors

$379,340

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
GREG HOPKINS	BOARD CHAIRMAN	4.00	Director	$0	$0	$0
MICHAEL YOUNGBLOOD	VICE CHAIRMAN	1.00	Director	$0	$0	$0
STEVE NAFF	TREASURER	1.00	Director	$0	$0	$0
KEITH EDEN	SUPERVISORY COMMITTEE CHAIR	1.00	Director	$0	$0	$0
SUSAN CAMPBELL	DIRECTOR	1.00	Director	$0	$0	$0
MARY MAXTED	DIRECTOR	1.00	Director	$0	$0	$0
DONNA BATES	DIRECTOR	1.00	Director	$0	$0	$0
SARA DONTJE	DIRECTOR	1.00	Director	$0	$0	$0
JOHN SCHWUCHOW	DIRECTOR	1.00	Director	$0	$0	$0
PETRINELLA SOWELL	SECRETARY	1.00	Director	$0	$0	$0
LINDSEY DEBARTELO	CEO	40.00	Director	$42,505	$0	$42,505
CHERYL SIO	FORMER CEO	40.00	Officer Director	$191,786	$26,343	$218,129
JEREMY TALL	VP OF LENDING	40.00	Director	$102,069	$16,637	$118,706
KELLY FROELIGER	VP OF FINANCE	40.00	Officer	$116,485	$18,438	$134,923
LISA KELLER	CHIEF OPERATING OFFICER	40.00	Officer	$164,305	$35,734	$200,039
MATT LYNCH	VP OF MARKETING	40.00	Officer	$111,704	$18,007	$129,711

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	$16,001,055	$14,127,866	$290,125,473	$1,873,189
2024	$16,845,918	$13,502,429	$281,812,133	$3,343,489
2023	$12,642,558	$11,583,549	$284,454,101	$1,059,009
2023	$12,642,558	$11,583,549	$284,454,101	$1,059,009
2022	$11,651,256	$9,931,863	$272,214,856	$1,719,393
2022	$11,651,256	$9,931,863	$272,214,856	$1,719,393
2021	$10,604,596	$9,361,369	$261,024,917	$1,243,227
2020	$10,314,716	$9,596,574	$232,816,779	$718,142
2019	$10,945,696	$9,827,624	$194,160,559	$1,118,072
2018	$10,329,300	$9,597,276	$191,197,954	$732,024