UNITED COMMUNITY 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

Principal Officer

SARAH DISTIN

Phone

2172241093

Tax Period

2025-01-01 to 2025-12-31

UNITED COMMUNITY CREDIT UNION is a community nonprofit that reported $8.1M in total revenue in fiscal year 2025. Revenue grew 11% year-over-year, indicating healthy expansion. Expenses of $6.9M left a modest 15% surplus.

Mission

TO PROVIDE HIGH QUALITY FINANCIAL SERVICES FOR OUR MEMBER/OWNERS, ENHANCING THEIR FINANCIAL WELL-BEING WHILE MAINTAINING THE FINANACIAL STRENGTH OF THE CREDIT UNION.

Program Service Accomplishments

Program 1

AS OF 12/31/25, THERE ARE 10,430 MEMBERS WITH 18,617 SHARE ACCOUNTS, 945 CERTIFICATES OF DEPOSIT, 4,550 CONSUMER LOANS, 519 FIRST MORTGAGE AND HOME EQUITY LOANS, AND 1,536 VISA CREDIT CARD LOANS.

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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 $7,213,202

Investment Income $905,020

Other Revenue $0

TOTAL REVENUE $8,118,222

Expense Breakdown

Grants Paid $0

Salaries & Benefits $2,410,541

Fundraising Expenses $0

Other Expenses $4,501,249

TOTAL EXPENSES $6,911,790

Year-over-Year Comparison

	2025	2024	Change
Revenue	$8,118,222	$7,307,818	+0.1%
Expenses	$6,911,790	$6,010,824	+0.1%
Net Income	$1,206,432	$1,296,994	-0.1%

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

N/A

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

$372,975

Total Directors

$160,751

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
SARAH DISTIN	PRESIDENT	40.00	Officer Director	$160,751	$0	$160,751
LINDSAY TANGY	VICE PRESIDE	40.00	Officer	$108,889	$0	$108,889
HEATHER PETER	VICE PRESIDE	40.00	Officer	$103,335	$0	$103,335
CRAYTON ACHELPOHL	TREASURER	1.00	Officer Director	$0	$0	$0
ANDY DOELLMAN	CHAIRMAN	1.00	Officer Director	$0	$0	$0
BOB GARKIE	DIRECTOR	1.00	Director	$0	$0	$0
RYAN HUMPHREYS	SECRETARY	1.00	Officer Director	$0	$0	$0
MICHELLE MILLER	DIRECTOR	1.00	Director	$0	$0	$0
TAY SONETHONGKHAM	DIRECTOR	1.00	Director	$0	$0	$0
CAROL TUTER	DIRECTOR	1.00	Director	$0	$0	$0
J SCOTT WEBSTER	VICE CHAIRMA	1.00	Director	$0	$0	$0

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	$8,118,222	$6,911,790	$127,435,988	$1,206,432
2024	$7,307,818	$6,010,824	$122,678,203	$1,296,994
2023	$6,311,657	$5,211,509	$117,595,574	$1,100,148
2022	$5,872,182	$4,499,252	$120,308,458	$1,372,930
2021	$5,246,365	$4,141,404	$122,166,715	$1,104,961
2020	$4,973,727	$4,057,402	$106,590,261	$916,325
2019	$5,061,100	$4,177,581	$89,429,822	$883,519
2018	$4,784,091	$3,832,767	$85,406,511	$951,324