CHICAGO, IL
4 risk indicators measuring financial stability and operational resilience
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Sign In — Free (10 views/day)ARCHER HEIGHTS CREDIT UNION, founded in 1965, is a small nonprofit that reported $556K in total revenue in fiscal year 2025. Revenue fell 31% from the prior year — a significant decline worth monitoring. Expenses of $1.4M exceeded revenue, resulting in a 160% operating deficit.
THE CREDIT UNION IS OPERATED FOR THE MUTUAL BENEFIT OF ITS MEMBERS MAKING LOANS AND PAYS DIVIDENDS ON SHARE DEPOSITS AT COMPETITIVE RATES OF INTEREST. THE AIM IS TO EXEMPLIFY THE "PEOPLE HELPING PEOPLE"PHILOSOPHY WITHIN THE COOPERATIVE NATURE OF THE CREDIT UNION.
CREDIT UNION MAKES AND SERVICES CONSUMER LOANS TO MEMBERS.
CREDIT UNION PAYS OUT DIVIDENDS TO ITS MEMBERS SHARE DEPOSIT ACCOUNTS AT A MARKET RATE OF INTEREST.
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 | $555,808 | $802,957 | -0.3% |
| Expenses | $1,446,567 | $823,386 | +0.8% |
| Net Income | $-890,759 | $-20,429 | +42.6% |
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 |
|---|---|---|---|---|---|---|
| CHRISTOPHER KOCZWARA | CHAIRMAN | 1.00 |
Officer
Director
|
$0 | $0 | $0 |
| SHARON SKALA | VICE CHAIRMAN | 1.00 |
Officer
Director
|
$0 | $0 | $0 |
| KEVIN MIKOLAJCZYK | SECRETARY | 1.00 |
Officer
Director
|
$0 | $0 | $0 |
| KRIS FAMULSKI | BOARD MEMBER | 1.00 |
Director
|
$0 | $0 | $0 |
| JOHN KAPUSCIARZ | SUPERVISORY CHAIR | 1.00 |
Director
|
$0 | $0 | $0 |
| EDWARD AJZYK | BOARD MEMBER | 1.00 |
Director
|
$0 | $0 | $0 |
| SAM MESSINA | BOARD MEMBER | 1.00 |
Director
|
$0 | $0 | $0 |
| MICHAEL APKE | BOARD MEMBER | 1.00 |
Director
|
$0 | $0 | $0 |
| LISA STRNAD | PRESIDENT | 40.00 |
Officer
|
$61,396 | $2,491 | $63,887 |
| Year | Revenue | Expenses | Assets | Net Income |
|---|---|---|---|---|
| 2025 | $555,808 | $1,446,567 | No data | $-890,759 |
| 2024 | $802,957 | $823,386 | $20,129,767 | $-20,429 |
| 2023 | $824,754 | $816,430 | $21,763,612 | $8,324 |
| 2022 | $999,120 | $786,541 | $21,764,932 | $212,579 |
| 2021 | $748,603 | $718,429 | $22,714,836 | $30,174 |
| 2020 | $717,309 | $733,762 | $21,189,899 | $-16,453 |
| 2019 | $777,050 | $750,124 | $17,084,358 | $26,926 |
| 2018 | $796,671 | $738,173 | $17,406,285 | $58,498 |
Compare ARCHER HEIGHTS CREDIT UNION with other nonprofits in Illinois and across the country.