IBEW LOCAL 146 CREDIT UNION (EIN 370790109) - 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

1958

Legal Domicile

Principal Officer

KRISTINA ROSENBERY

Phone

2178776521

Tax Period

2025-01-01 to 2025-12-31

IBEW LOCAL 146 CREDIT UNION, founded in 1958, is a small nonprofit that reported $237K in total revenue in fiscal year 2025. Revenue grew 14% year-over-year, indicating healthy expansion. The organization ran a surplus of $65K, a strong 28% operating margin.

Mission

TO ASSIST OUR MEMBERS IN THE MANAGEMENT OF THEIR FINANCIAL WELL BEING BY PROVIDING LOANS, SAVINGS, PAYROLL DEDUCTIONS AND OTHER FINANCIAL SERVICES IN A FRIENDLY AND BENEFICIAL 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 $133,896

Investment Income $103,524

Other Revenue $0

TOTAL REVENUE $237,420

Expense Breakdown

Grants Paid $0

Salaries & Benefits $69,857

Fundraising Expenses $0

Other Expenses $102,184

TOTAL EXPENSES $172,041

Year-over-Year Comparison

	2025	2024	Change
Revenue	$237,420	$208,692	+0.1%
Expenses	$172,041	$140,299	+0.2%
Net Income	$65,379	$68,393	0.0%

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

$49,824

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
KRISTINA ROSENBERY	MANAGER	35.00	Officer	$49,824	$0	$49,824
CURTIS YOUNG	CHAIRMAN	1.00	Director	$0	$0	$0
DREW HIGGASON	VICE-CHAIRMAN	1.00	Director	$0	$0	$0
PATRICIA CAMFIELD	SECRETARY	1.00	Director	$0	$0	$0
DOUGLAS LONDON	TREASURER	1.00	Director	$0	$0	$0
WES BOGLE	DIRECTOR	1.00	Director	$0	$0	$0
TERRY RHODES	DIRECTOR	1.00	Director	$0	$0	$0
PENNY WILLIAMS	DIRECTOR	1.00	Director	$0	$0	$0
MYRA WALTERS	DIRECTOR	1.00	Director	$0	$0	$0
JUSTIN MARTIN	DIRECTOR	1.00	Director	$0	$0	$0
JD MILLER	DIRECTOR	1.00	Director	$0	$0	$0

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	$237,420	$172,041	$5,123,166	$65,379
2024	No data	No data	No data	No data
2023	$168,448	$125,557	$4,773,983	$42,891
2022	$133,959	$112,025	$4,896,668	$21,934
2021	$139,459	$113,192	$4,290,131	$26,267
2020	$133,374	$121,097	$4,042,186	$12,277
2019	$137,927	$123,351	$3,819,243	$14,576
2018	$138,001	$119,864	$3,515,289	$18,137

IBEW LOCAL 146 CREDIT UNION