UNITED EQUITY 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

1935

Legal Domicile

Principal Officer

ANN WILDMAN

Phone

2178751845

Tax Period

2025-01-01 to 2025-12-31

UNITED EQUITY CREDIT UNION, founded in 1935, is a community nonprofit that reported $4.5M in total revenue in fiscal year 2025. The organization ran a surplus of $883K, a strong 20% operating margin.

Mission

TO PROVIDE SECURITY OF SAVINGS AND SELECTED FINANCIAL SERVICES TO ITS MEMBERS IN A CONVENIENT, RESPONSIVE MANNER, AT COMPETITIVE RATES, WHILE MAINTAINING FINANCIAL STABILITY AND ADEQUATE FINANCIAL STABILITY FOR THE INSTITUTION.

Program Service Accomplishments

Program 1

Provided over 8,400 consumer and real estate loans.

Program 2

Received deposits on over 9,400 member share type accounts.

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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 $3,107,885

Investment Income $849,452

Other Revenue $516,588

TOTAL REVENUE $4,473,925

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,200,958

Fundraising Expenses $0

Other Expenses $2,389,832

TOTAL EXPENSES $3,590,790

Year-over-Year Comparison

	2025	2024	Change
Revenue	$4,473,925	$4,321,251	+0.0%
Expenses	$3,590,790	$3,583,734	+0.0%
Net Income	$883,135	$737,517	+0.2%

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

$184,554

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
BEVERLY MILLBURG	CHAIRPERSON	1.00	Director	$0	$0	$0
JOHN CHANEY	SUPERVISORY	1.00	Director	$0	$0	$0
CHARLES BARTON	DIRECTOR/TREASURER	1.00	Director	$0	$0	$0
ABBY HELM	DIRECTOR	1.00	Director	$0	$0	$0
CHRIS CULP	DIRECTOR	1.00	Director	$0	$0	$0
KEVIN BESSER	VICE CHAIR	1.00	Director	$0	$0	$0
RUTH ANDERSON	DIRECTOR/SECRETARY	1.00	Director	$0	$0	$0
JOSEPH ERWIN	DIRECTOR	1.00	Director	$0	$0	$0
DAVID OVERLOT	DIRECTOR	1.00	Director	$0	$0	$0
LUCAS MELTON	DIRECTOR	1.00	Director	$0	$0	$0
PATRICIA CAIN	DIRECTOR	1.00	Director	$0	$0	$0
ANN WILDMAN	CEO	40.00	Officer	$166,711	$17,843	$184,554

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	$4,473,925	$3,590,790	$67,940,283	$883,135
2024	No data	No data	No data	No data
2023	$3,217,113	$2,949,537	$60,404,934	$267,576
2022	$3,141,745	$2,566,201	$64,075,015	$575,544
2021	$2,228,969	$1,844,717	$49,708,124	$384,252
2020	$2,020,293	$1,807,977	$44,618,663	$212,316
2019	$1,881,560	$1,710,954	$39,430,754	$170,606
2018	$1,717,143	$1,537,007	$39,337,325	$180,136