SAGELINK 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

1936

Legal Domicile

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 EXCEPTIONAL PERSONALIZED EXPERIENCES AND INNOVATIVE TECHNOLOGIES.

Program Service Accomplishments

Program 1

EFFECTIVE JULY 1, 2018, SAGELINK CREDIT UNION MERGED INTO PORTLAND FEDERAL CREDIT UNION (PFCU). PRIOR TO THE MERGER, THE CREDIT UNION PROVIDED 17,407 MEMBERS WITH REGULAR SHARES, CLUB ACCOUNTS, SHARE...

Program 2

EFFECTIVE JULY 1, 2018, SAGELINK CREDIT UNION MERGED INTO PFCU. PRIOR TO THE MERGER, THE CREDIT UNION PROVIDED 11,275 LOANS INCLUDING PERSONAL, HOME EQUITY MORTGAGE AND CREDIT CARD TYPE LOANS.

Program 3

EFFECTIVE JULY 1, 2018, SAGELINK CREDIT UNION MERGED INTO (PFCU). PRIOR TO THE MERGER, THE CREDIT UNION OFFERED AUTOMATED TELLER MACHINES, ITM MACHINES, AND VARIOUS INSURANCE PROGRAMS.

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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 (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

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

$88,847

Total Directors

Key Employees

Highest Compensated

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