REDBRAND CREDIT UNION (EIN 370693937) - Form 990 Financial Analysis & Trantor Score

🔒

Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

Sign in with your work email to view Tuckman-Chang indicators

Financial Trends

Organization Details

Formation Year

1952

Legal Domicile

Principal Officer

KELLY PEARCE

Phone

3096971447

Tax Period

2025-01-01 to 2025-12-31

REDBRAND CREDIT UNION, founded in 1952, is a community nonprofit that reported $3.5M in total revenue in fiscal year 2018. Revenue grew 9% year-over-year, indicating healthy expansion. Expenses of $3.4M left a modest 4% surplus.

Mission

REDBRAND CREDIT UNION IS A MEMBER-OWNED, NOT-FOR-PROFIT, FINANCIAL COOPERATIVE. OUR CONTINUING GOALS ARE TO PROMOTE THRIFT AND TO PROVIDE THE HIGHEST QUALITY, COMPETITIVE SERVICES AND BENEFITS FOR

🔒

Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

Sign in to view Trantor Score and financial metrics

Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $3,180,267

Investment Income $700,389

Other Revenue $0

TOTAL REVENUE $3,880,656

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,191,877

Fundraising Expenses $0

Other Expenses $2,148,532

TOTAL EXPENSES $3,340,409

Year-over-Year Comparison

	2025	2024	Change
Revenue	$3,880,656	$3,781,977	+0.0%
Expenses	$3,340,409	$3,227,254	+0.0%
Net Income	$540,247	$554,723	0.0%

Key Indicators

✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✗ Schedule B Required

🔒

Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

Sign in to view all financial metrics

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

$168,765

Total Directors

$168,765

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JEFF RATHMEL	DIRECTOR	1.00	Director	$0	$0	$0
TROY HATTERMANN	CHAIRMAN	1.00	Director	$0	$0	$0
NATHAN THOMAS	VICE CHAIR	1.00	Director	$0	$0	$0
WILLIAM CLARK	DIRECTOR	1.00	Director	$0	$0	$0
JENNIFER HUGHES	SEC/TREAS	1.00	Director	$0	$0	$0
BRIAN SCHMIDGALL	DIRECTOR	1.00	Director	$0	$0	$0
KELLY PEARCE	PRESIDENT/MANAGER	40.00	Officer Director	$138,404	$30,361	$168,765

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	$3,880,656	$3,340,409	$73,764,540	$540,247
2024	No data	No data	No data	No data
2023	$3,522,942	$2,998,048	$74,604,863	$524,894
2022	$3,375,198	$2,764,499	$75,687,181	$610,699
2021	$3,102,693	$2,827,534	$74,619,308	$275,159
2020	$3,272,605	$3,187,698	$68,016,557	$84,907
2019	$3,496,982	$3,302,476	$59,079,013	$194,506
2018	$3,537,506	$3,403,765	$58,376,950	$133,741

REDBRAND CREDIT UNION