ACCESS CREDIT UNION (EIN 366068676) - 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

1998

Legal Domicile

Principal Officer

LISA DINGES

Phone

7083430228

Tax Period

2025-01-01 to 2025-12-31

ACCESS CREDIT UNION, founded in 1998, is a community nonprofit that reported $3.1M in total revenue in fiscal year 2025. Revenue grew 11% year-over-year, indicating healthy expansion. Expenses of $2.9M left a modest 4% surplus.

Mission

ILLINOIS STATE CHARTERED CREDIT UNION OPERATED FOR THE MUTUAL BENEFIT OF ITS MEMBERS.

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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 $2,441,714

Investment Income $626,324

Other Revenue $0

TOTAL REVENUE $3,068,038

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,087,108

Fundraising Expenses $0

Program Expenses $2,933,250

Other Expenses $1,846,142

TOTAL EXPENSES $2,933,250

Year-over-Year Comparison

	2025	2024	Change
Revenue	$3,068,038	$2,754,999	+0.1%
Expenses	$2,933,250	$2,567,120	+0.1%
Net Income	$134,788	$187,879	-0.3%

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

$304,368

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JAMES PARKER	CHAIRMAN	2.00	Officer Director	$0	$0	$0
CRAIG LUNDT	VICE CHAIRMAN	2.00	Officer Director	$0	$0	$0
DONNA SEBESTYEN	SECRETARY	2.00	Officer Director	$0	$0	$0
YOGI PATEL	TREASURER	2.00	Officer Director	$0	$0	$0
ALEXIS WALLACE	DIRECTOR	2.00	Director	$0	$0	$0
KURTIS TODD	DIRECTOR	2.00	Director	$0	$0	$0
STEPHEN BERGEON	DIRECTOR	2.00	Director	$0	$0	$0
RON MIKICICH	DIRECTOR	2.00	Director	$0	$0	$0
PAMELA HARRISON	DIRECTOR	2.00	Director	$0	$0	$0
LISA DINGES	PRESIDENT/CEO	45.00	Officer	$145,314	$20,181	$165,495
THOMAS PIERCE	COO	45.00	Officer	$122,447	$16,426	$138,873

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	$3,068,038	$2,933,250	$58,635,923	$134,788
2024	$2,754,999	$2,567,120	$57,397,920	$187,879
2023	$2,585,480	$2,406,754	$58,974,544	$178,726
2022	$2,586,874	$2,293,236	$61,905,866	$293,638
2021	$2,523,952	$2,128,138	$61,378,110	$395,814
2020	$2,368,229	$2,088,433	$59,271,067	$279,796
2019	$2,468,921	$2,204,629	$49,702,111	$264,292
2018	$2,326,453	$2,166,934	$49,377,909	$159,519

ACCESS CREDIT UNION