SAGELINK CREDIT UNION

EIN: 381246873

DURAND, MI

Total Revenue
$4,804,105
Total Expenses
$4,475,361
Total Assets
N/A
Net Assets
N/A
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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
1936
Legal Domicile
MI
Principal Officer
ANNA WILSON
Phone
9895412001
Tax Period
2018-01-01 to 2018-06-30

SAGELINK CREDIT UNION, founded in 1936, is a community nonprofit that reported $4.8M in total revenue in fiscal year 2018. Revenue fell 39% from the prior year — a significant decline worth monitoring. Expenses of $4.5M left a modest 7% surplus.

Mission

WE ARE COMMITTED TO EXCEPTIONAL PERSONALIZED EXPERIENCES AND INNOVATIVE TECHNOLOGIES.

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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%)

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Financial Overview (2018)

Revenue Breakdown

Contributions & Grants $0
Program Service Revenue $3,783,553
Investment Income $1,020,552
Other Revenue $0
TOTAL REVENUE $4,804,105

Expense Breakdown

Grants Paid $0
Salaries & Benefits $1,853,254
Fundraising Expenses $0
Other Expenses $2,622,107
TOTAL EXPENSES $4,475,361

Year-over-Year Comparison

2018 2017 Change
Revenue $4,804,105 $7,896,105 -0.4%
Expenses $4,475,361 $6,630,184 -0.3%
Net Income $328,744 $1,265,921 -0.7%
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

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Governance

Voting Members
6
Independent Members
6
Employees
75
Volunteers
6

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
$88,847
Total Directors
6
$0
Key Employees
0
$0
Highest Compensated
0
reported
Name Title Hours/Week Role Reportable Comp Other Comp Total
VIRGIL BUDD SECRETARY OF THE BOARD 1.00
Director
$0 $0 $0
CHAD BURKE TREASURER OF THE BOARD 1.00
Director
$0 $0 $0
FRANK MASON BOARD MEMBER 1.00
Director
$0 $0 $0
BRAD MCFAUL CHAIRMAN OF THE BOARD 1.00
Director
$0 $0 $0
CHARLIE SCHAUFELE BOARD MEMBER 1.00
Director
$0 $0 $0
RAYMOND VANHECKE V.CHAIRMAN OF THE BOARD 1.00
Director
$0 $0 $0
ANNA WILSON CEO 40.00
Officer
$85,962 $2,885 $88,847
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
2018 $4,804,105 $4,475,361 No data $328,744
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