WILDFIRE 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

1937

Legal Domicile

Principal Officer

DAVID C WERTH

Phone

9892498200

Tax Period

2025-01-01 to 2025-12-31

WILDFIRE CREDIT UNION, founded in 1937, is a mid-sized nonprofit that reported $69.5M in total revenue in fiscal year 2025. Revenue grew 12% year-over-year, indicating healthy expansion. Expenses of $65.1M left a modest 6% surplus.

Mission

TO PROVIDE LOW/NO COST FINANCIAL PRODUCTS AND SERVICES TO MEMBER OWNERS WHO SHARE A COMMON BOND.

Program Service Accomplishments

Program 1

PROVIDED 49,856 MEMBERS WITH HIGH-YIELDING, NO COST SAVINGS AND TRANSACTION ACCOUNTS. THE TOTAL NUMBER OF ACCOUNTS IS 124,995 AND INCLUDES SHARE ACCOUNTS, CHECKING ACCOUNTS, SMALL BUSINESS DEPOSITS...

Program 2

PROVIDED 39,496 LOW RATE LOANS TO MEMBERS INCLUDING VEHICLE, MORTGAGE/HOME EQUITY, SMALL BUSINESS, CREDIT CARDS AND OTHER PERSONAL LOANS.

Program 3

PROVIDED NO/LOW COST FINANCIAL PRODUCTS AND SERVICES INCLUDING AUTOMATED TELLER MACHINE ACCESS, DEBIT CARDS, MONEY ORDERS, TRAVELERS CHECKS, AND WIRE TRANSFERS.

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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 $52,810,369

Investment Income $16,653,992

Other Revenue $0

TOTAL REVENUE $69,464,361

Expense Breakdown

Grants Paid $0

Salaries & Benefits $17,929,085

Fundraising Expenses $0

Other Expenses $47,150,434

TOTAL EXPENSES $65,079,519

Year-over-Year Comparison

	2025	2024	Change
Revenue	$69,464,361	$62,149,802	+0.1%
Expenses	$65,079,519	$59,106,731	+0.1%
Net Income	$4,384,842	$3,043,071	+0.4%

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

226

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

$1,003,975

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
BENJAMIN DENAY	PRESIDENT/CE	40.00	Officer	$502,064	$26,745	$528,809
ROBERT C TRUMBLE	CFO	40.00	Officer	$316,078	$82,245	$398,323
MARK SCHUILING	CHIEF TECHNO	40.00	Highest	$294,261	$39,470	$333,731
TRACY KAUFMAN	CHIEF LENDIN	40.00	Highest	$259,448	$48,841	$308,289
ANDREA HALES	CHIEF BUSINE	40.00	Highest	$211,151	$32,319	$243,470
MICHAEL ZEIMEN	CHIEF DATA O	40.00	Highest	$208,249	$29,546	$237,795
KIMBERLY EGELER	CHIEF BRANCH	40.00	Highest	$188,007	$35,364	$223,371
DAVID C WERTH	CFO	40.00	Officer	$73,228	$3,615	$76,843
ANDREW BETHUNE	TREASURER	2.00	Officer Director	$0	$0	$0
JENNA DOST	DIRECTOR	2.00	Officer Director	$0	$0	$0
RODNEY L FRANCIS	SECRETARY	2.00	Officer Director	$0	$0	$0
RODNEY KLOHA	DIRECTOR	2.00	Director	$0	$0	$0
GENE ROUSSEAU	VICE CHAIRPE	2.00	Officer Director	$0	$0	$0
JEANELLE SMITH	DIRECTOR	2.00	Director	$0	$0	$0
KEN VOELKER	CHAIRPERSON	2.00	Officer 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	$69,464,361	$65,079,519	$1,170,809,206	$4,384,842
2024	$62,149,802	$59,106,731	$1,111,206,637	$3,043,071
2023	$49,757,946	$50,005,824	$1,075,470,650	$-247,878
2022	$42,338,523	$37,350,013	$1,031,748,656	$4,988,510
2021	$44,555,752	$34,829,715	$1,097,457,613	$9,726,037
2020	$40,766,110	$35,823,551	$996,800,342	$4,942,559
2019	$41,259,879	$35,496,685	$844,798,383	$5,763,194
2018	$35,880,699	$31,781,537	$769,168,509	$4,099,162