THE CREDIT UNION FOR ALL (EIN 370904387) - 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

1940

Legal Domicile

Principal Officer

ROBIN JUHLER

Phone

3096611166

Tax Period

2025-01-01 to 2025-12-31

THE CREDIT UNION FOR ALL, founded in 1940, is a community nonprofit that reported $5.5M in total revenue in fiscal year 2025. Expenses of $5.0M left a modest 9% surplus.

Mission

THE CREDIT UNION PROVIDES SECURITY OF SAVINGS AND SELECTED FINANCIAL SERVICES TO ITS MEMBERS IN A CONVENIENT, RESPONSIVE MANNER, AT COMPETITIVE RATES, WHILE MAINTAINING FINANCIAL STABILITY AND CAPITAL GROWTH WITHIN THE ASSOCIATION.

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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 $4,509,867

Investment Income $969,889

Other Revenue $0

TOTAL REVENUE $5,479,756

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,685,341

Fundraising Expenses $0

Program Expenses $4,978,851

Other Expenses $3,293,510

TOTAL EXPENSES $4,978,851

Year-over-Year Comparison

	2025	2024	Change
Revenue	$5,479,756	$5,332,624	+0.0%
Expenses	$4,978,851	$5,008,440	0.0%
Net Income	$500,905	$324,184	+0.5%

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

$202,816

Total Directors

$202,816

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JOHN WYSSMAN	CHAIRMAN	1.00	Officer Director	$0	$0	$0
LINDA FOSTER	VICE CHAIRMAN	1.00	Officer Director	$0	$0	$0
DAVID WITT	BOARD MEMBER	1.00	Director	$0	$0	$0
TOM BRUCKER	BOARD MEMBER	1.00	Director	$0	$0	$0
CAROL BEARD	BOARD MEMBER	1.00	Director	$0	$0	$0
ROGER SCOTT	BOARD MEMBER	1.00	Director	$0	$0	$0
TAKESHA STOKES	BOARD MEMBER	1.00	Director	$0	$0	$0
MARQUET NEWSOME	BOARD MEMBER	1.00	Director	$0	$0	$0
ROBIN JUHLER	PRESIDENT/TREASURER	40.00	Officer Director	$177,059	$25,757	$202,816
SABRINA COLEMAN	VICE PRESIDENT OF OPERATIO	40.00	Highest	$133,359	$10,324	$143,683

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	$5,479,756	$4,978,851	$87,365,675	$500,905
2024	$5,332,624	$5,008,440	$83,739,068	$324,184
2023	$4,775,548	$4,676,349	$83,119,442	$99,199
2022	$4,068,734	$3,657,024	$80,425,234	$411,710
2021	$4,122,721	$3,457,479	$74,172,804	$665,242
2020	$3,891,452	$3,569,045	$70,433,887	$322,407
2019	$4,174,511	$4,078,116	$60,752,426	$96,395
2018	$4,566,133	$4,482,925	$61,223,477	$83,208

THE CREDIT UNION FOR ALL