LANDMARK CREDIT UNION (EIN 370564965) - 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

1935

Legal Domicile

Principal Officer

JERRY HARPER

Phone

2174429005

Tax Period

2025-01-01 to 2025-12-31

LANDMARK CREDIT UNION, founded in 1935, is a community nonprofit in the Public & Societal Benefit sector that reported $5.9M in total revenue in fiscal year 2025. Revenue grew 10% year-over-year, indicating healthy expansion. Expenses of $5.6M left a modest 5% surplus.

Mission

TO ASSIST OUR MEMBERS IN THE MANAGEMENT OF THEIR FINANCIAL WELL-BEING BY PROVIDING LOANS, SAVINGS ACCOUNTS AND OTHER FINANCIAL SERVICES IN A FRIENDLY AND PROFESSIONAL MANNER.

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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 $4,520,197

Investment Income $1,423,755

Other Revenue $0

TOTAL REVENUE $5,943,952

Expense Breakdown

Grants Paid $0

Salaries & Benefits $2,189,193

Fundraising Expenses $0

Program Expenses $5,620,134

Other Expenses $3,430,941

TOTAL EXPENSES $5,620,134

Year-over-Year Comparison

	2025	2024	Change
Revenue	$5,943,952	$5,414,662	+0.1%
Expenses	$5,620,134	$5,220,595	+0.1%
Net Income	$323,818	$194,067	+0.7%

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

$607,266

Total Directors

$178,444

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CARL ROBERTSON	CHAIR	2.00	Officer Director	$0	$0	$0
AMBER BYRAM	VICE CHAIR	2.00	Officer Director	$0	$0	$0
ORMAL HANDLEY JR	DIRECTOR	2.00	Director	$0	$0	$0
PAULINA PADJEN	DIRECTOR	2.00	Director	$0	$0	$0
OLIVIA HUMPHREYS	DIRECTOR	2.00	Director	$0	$0	$0
REX RICHARDS	DIRECTOR	2.00	Director	$0	$0	$0
JENNIFER KRUGER	DIRECTOR	2.00	Director	$0	$0	$0
JERRY HARPER	PRESIDENT	40.00	Officer Director	$159,153	$19,291	$178,444
MARY WESTLEY-BROWN	DIRECTOR	2.00	Director	$0	$0	$0
STEPHEN FORD	VP/CFO	40.00	Officer	$137,478	$26,569	$164,047
ANNA MELECOSKY	EVP/COO	40.00	Officer	$118,903	$17,904	$136,807
JERI WILSON	VP/CLO	40.00	Officer	$103,988	$23,980	$127,968

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	$5,943,952	$5,620,134	$118,570,880	$323,818
2024	$5,414,662	$5,220,595	$113,755,821	$194,067
2023	$5,017,217	$4,586,847	$114,983,845	$430,370
2022	$4,417,884	$4,020,626	$117,863,937	$397,258
2021	$3,993,532	$3,739,544	$117,296,725	$253,988
2020	$3,805,983	$3,620,967	$106,224,682	$185,016
2019	$3,890,853	$3,524,748	$95,362,880	$366,105

LANDMARK CREDIT UNION