PEORIA HIWAY 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

1951

Legal Domicile

Principal Officer

NANCY BIAGINI

Phone

3096935166

Tax Period

2025-01-01 to 2025-12-31

PEORIA HIWAY CREDIT UNION, founded in 1951, is a small nonprofit that reported $396K in total revenue in fiscal year 2025. Revenue grew 13% year-over-year, indicating healthy expansion. The organization ran a surplus of $87K, a strong 22% operating margin.

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.

Program Service Accomplishments

Program 1

PROVIDED CONSUMER LENDING AND RECEIVED DEPOSITS FROM THE CREDIT UNION MEMBERSHIP. THE CREDIT UNION SERVICES IN EXCESS OF 900 MEMBER SHARE TYPE ACCOUNTS AND 260 LOAN 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 $319,959

Investment Income $76,403

Other Revenue $0

TOTAL REVENUE $396,362

Expense Breakdown

Grants Paid $0

Salaries & Benefits $98,464

Fundraising Expenses $0

Other Expenses $210,774

TOTAL EXPENSES $309,238

Year-over-Year Comparison

	2025	2024	Change
Revenue	$396,362	$351,735	+0.1%
Expenses	$309,238	$277,599	+0.1%
Net Income	$87,124	$74,136	+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

$61,100

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
GREG SVOBODA	TREASURER	1.00	Director	$0	$0	$0
MIKE KILLEN	CHAIRMAN	1.00	Director	$0	$0	$0
WENDAL CHAMBLISS	VICE CHAIRMAN	1.00	Director	$0	$0	$0
JANEEN BRADSHAW-COMBS	DIRECTOR	1.00	Director	$0	$0	$0
TONY INTERIAL	DIRECTOR	1.00	Director	$0	$0	$0
MEREDITH AMBROSIA	SECRETARY	1.00	Director	$0	$0	$0
ALFREDO CISNEROS JR	DIRECTOR	1.00	Director	$0	$0	$0
TONYA RODGERS-CARTER	DIRECTOR	1.00	Director	$0	$0	$0
TERRELL STRINGER	DIRECTOR	1.00	Director	$0	$0	$0
KEVIN BRESNAHAN	ASSOCIATE DIRECTOR	1.00	Director	$0	$0	$0
NANCY BIAGINI	PRESIDENT/MANAGER	40.00	Officer	$61,100	$0	$61,100

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	$396,362	$309,238	$6,467,480	$87,124
2024	No data	No data	No data	No data
2023	$276,820	$206,599	$5,712,972	$70,221
2022	$222,843	$135,097	$4,782,818	$87,746
2021	$235,484	$162,419	$4,488,315	$73,065
2020	$214,445	$166,057	$4,136,729	$48,388
2019	$197,631	$151,919	$3,277,442	$45,712
2018	$174,574	$152,456	$3,326,002	$22,118