EMBERS CREDIT UNION (EIN 381489465) - 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

1953

Legal Domicile

Principal Officer

TOM BLAKE

Phone

9062287080

Tax Period

2024-01-01 to 2024-12-31

EMBERS CREDIT UNION, founded in 1953, is a mid-sized nonprofit that reported $29.9M in total revenue in fiscal year 2024. Revenue grew 18% year-over-year, indicating healthy expansion. Expenses of $27.8M left a modest 7% surplus.

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 (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $27,289,420

Investment Income $2,602,416

Other Revenue $0

TOTAL REVENUE $29,891,836

Expense Breakdown

Grants Paid $0

Salaries & Benefits $9,915,148

Fundraising Expenses $0

Other Expenses $17,922,345

TOTAL EXPENSES $27,837,493

Year-over-Year Comparison

	2024	2023	Change
Revenue	$29,891,836	$25,332,798	+0.2%
Expenses	$27,837,493	$22,632,248	+0.2%
Net Income	$2,054,343	$2,700,550	-0.2%

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

158

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

$1,860,071

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
THOMAS BLAKE	CEO	40.00	Officer	$367,034	$49,564	$416,598
BRENDA LIPPENS	President	40.00	Officer	$299,788	$44,143	$343,931
DAVID BLACK	COO	40.00	Officer	$247,894	$42,116	$290,010
JUSTIN STORE	Vice President	40.00	Officer	$188,348	$40,190	$228,538
JENNIFER STEMPKI	CFO	40.00	Officer	$153,337	$32,259	$185,596
ANN DEMING	Vice President	40.00	Officer	$112,091	$28,847	$140,938
LAURIE WILLS	Director	40.00	Officer	$122,533	$11,965	$134,498
MATT NORD	Vice President	40.00	Officer	$99,335	$20,627	$119,962
SCOTT JAMIESON	Director	1.00	Director	$0	$0	$0
SANDRA VILLA-MOGUSH	Chairman	1.00	Director	$0	$0	$0
WILLIAM FERNS	Treasurer	1.00	Director	$0	$0	$0
MARK CANALE	Director	1.00	Director	$0	$0	$0
TOM VEAR	Director	1.00	Director	$0	$0	$0
LEONARD ANGELI	Director	1.00	Director	$0	$0	$0
BRIAN KULBIEDA	Director	1.00	Director	$0	$0	$0
GAIL ANTHONY	Director	1.00	Director	$0	$0	$0
ANDREW WASILEWSKI	Director	1.00	Director	$0	$0	$0
KEITH LYNCH	Director	1.00	Director	$0	$0	$0
RANDY VANPORTFLIET	Director	1.00	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	No data	No data	No data	No data
2024	$29,891,836	$27,837,493	$548,839,668	$2,054,343
2023	$25,332,798	$22,632,248	$515,551,996	$2,700,550
2022	$21,128,039	$18,149,828	$485,631,668	$2,978,211
2021	$19,135,519	$16,204,713	$491,728,057	$2,930,806
2020	$15,884,770	$14,931,153	$456,299,976	$953,617
2019	$11,228,933	$10,356,916	$234,458,662	$872,017

EMBERS CREDIT UNION