CREDIT UNION CHARTERED IN MICHIGAN ALPENA COMMUNITY CREDIT UNION (EIN 381438940) - 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

1970

Legal Domicile

Principal Officer

ANDREW AUGUSTYN

Phone

9893564561

Tax Period

2025-01-01 to 2025-12-31

CREDIT UNION CHARTERED IN MICHIGAN ALPENA COMMUNITY CREDIT UNION, founded in 1970, is a community nonprofit that reported $1.8M in total revenue in fiscal year 2025. Revenue decreased 15% compared to the prior year. The organization ran a surplus of $561K, a strong 31% operating margin.

Mission

PROVIDE FINANCIAL SERVICES AND PRODUCTS TO MEMBERS.

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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 $248,471

Program Service Revenue $1,056,357

Investment Income $495,433

Other Revenue $6,966

TOTAL REVENUE $1,807,227

Expense Breakdown

Grants Paid $0

Salaries & Benefits $574,859

Fundraising Expenses $0

Other Expenses $671,613

TOTAL EXPENSES $1,246,472

Year-over-Year Comparison

	2025	2024	Change
Revenue	$1,807,227	$2,136,846	-0.2%
Expenses	$1,246,472	$1,217,113	+0.0%
Net Income	$560,755	$919,733	-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

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JON BENSON	DIRECTOR	N/A	Director	$0	$0	$0
CRISTIE VAN MASSENHOVE	VICE CHAIR	N/A	Director	$0	$0	$0
JORDAN REYNOLDS	DIRECTOR	N/A	Director	$0	$0	$0
GRIFFIN SADDLER	DIRECTOR	N/A	Director	$0	$0	$0
RYAN SUSZEK	CHAIRMAN	N/A	Director	$0	$0	$0
CHARLES WIESEN	SECRETARY	N/A	Director	$0	$0	$0
ANDREW AUGUSTYN	CEO/MANAGER	N/A	Officer	$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	$1,807,227	$1,246,472	$34,862,375	$560,755
2024	$2,136,846	$1,217,113	$32,565,733	$919,733
2023	$1,335,568	$1,052,705	$31,615,947	$282,863
2022	$1,034,603	$937,560	$30,369,989	$97,043
2021	$1,009,411	$861,776	$31,445,409	$147,635
2020	$1,001,350	$844,381	$28,012,642	$156,969
2019	$1,043,671	$839,129	$24,272,763	$204,542
2018	$923,673	$753,903	$23,026,481	$169,770

CREDIT UNION CHARTERED IN MICHIGAN ALPENA COMMUNITY CREDIT UNION