ILLINOIS EDUCATORS 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

1938

Legal Domicile

Principal Officer

Jody Dabrowski

Phone

2175282642

Tax Period

2025-01-01 to 2025-12-31

ILLINOIS EDUCATORS CREDIT UNION, founded in 1938, is a community nonprofit that reported $7.3M in total revenue in fiscal year 2025. Revenue grew 13% year-over-year, indicating healthy expansion. Expenses of $6.6M left a modest 11% surplus.

Mission

The Illinois Educators Credit Union operates to assist its members by providing loans deposit accounts and other financial services for the benefit of the entire membership.

Program Service Accomplishments

Program 1

Expenses: $0 Revenue: $0

The Credit Union has various types of deposit accounts for its members. As of 12 31 2025 10,173 members.

Program 2

Expenses: $0 Revenue: $0

The Credit Union has several types of loan programs available for its members. The Credit Union funded 2,432 new loans during 2025. As of 12 31 2025 the Credit Union had 6,624 outstanding to its...

The Credit Union has several types of loan programs available for its members. The Credit Union funded 2,432 new loans during 2025. As of 12 31 2025 the Credit Union had 6,624 outstanding to its members.

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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 $34,407

Program Service Revenue $6,433,150

Investment Income $749,478

Other Revenue $115,905

TOTAL REVENUE $7,332,940

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,754,318

Fundraising Expenses $0

Program Expenses $0

Other Expenses $4,801,249

TOTAL EXPENSES $6,555,567

Year-over-Year Comparison

	2025	2024	Change
Revenue	$7,332,940	$6,471,024	+0.1%
Expenses	$6,555,567	$5,796,688	+0.1%
Net Income	$777,373	$674,336	+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

$320,851

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Jody Dabrowski	CEO	50.00	Officer Highest	$268,771	$9,954	$278,725
Gaspare Gallina	Former Executive VP	40.00	Officer Highest	$39,211	$2,915	$42,126
Tiffany Williams	Director	1.00	Officer Director	$0	$0	$0
John Meyer	Board Chair	1.00	Officer Director	$0	$0	$0
Rich Eggleston	Director	1.00	Officer Director	$0	$0	$0
James Korte	Vice Chair	1.00	Officer Director	$0	$0	$0
Sandi Davin	Director	1.00	Director	$0	$0	$0
Laura Jordan	Secretary	1.00	Director	$0	$0	$0
Cinda Klickna	Treasurer	1.00	Director	$0	$0	$0
Rob Meagher	Director	1.00	Director	$0	$0	$0
Greg Stock	Director	1.00	Director	$0	$0	$0
Jeff Vose	Director	1.00	Director	$0	$0	$0
Richard Bowen	Director	1.00	Director	$0	$0	$0
Dane Holmes	VP of Finance	50.00	Highest	$145,128	$11,924	$157,052
Allison Hetzler	VP of Operations	50.00	Highest	$110,286	$4,121	$114,407

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	$7,332,940	$6,555,567	$120,028,071	$777,373
2024	No data	No data	No data	No data
2023	$5,723,602	$4,901,421	$102,087,604	$822,181
2022	$5,097,247	$3,516,595	$100,277,471	$1,580,652
2021	$3,585,286	$2,904,610	$80,007,252	$680,676
2020	$3,496,202	$3,023,152	$70,012,794	$473,050
2019	$3,859,148	$3,321,669	$65,310,945	$537,479
2018	$3,639,970	$2,999,469	$58,283,995	$640,501