ARCHER HEIGHTS CREDIT UNION (EIN 366124273) - 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

1965

Legal Domicile

Principal Officer

LISA STRNAD

Phone

7732291500

Tax Period

2025-01-01 to 2025-08-31

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.

Mission

ILLINOIS STATE CHARTERED CREDIT UNION OFFERING FINANCIAL PRODUCTS AND SERVICES TO 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 $404,558

Investment Income $151,250

Other Revenue $0

TOTAL REVENUE $555,808

Expense Breakdown

Grants Paid $0

Salaries & Benefits $262,174

Fundraising Expenses $0

Other Expenses $1,184,393

TOTAL EXPENSES $1,446,567

Year-over-Year Comparison

	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%

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

$63,887

Total Directors

Key Employees

Highest Compensated

reported

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

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	$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

ARCHER HEIGHTS CREDIT UNION