WEXFORD COMMUNITY 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

1953

Legal Domicile

Principal Officer

JULIE RUSHING

Phone

2317752081

Tax Period

2025-01-01 to 2025-12-31

WEXFORD COMMUNITY CREDIT UNION, founded in 1953, is a community nonprofit that reported $5.2M in total revenue in fiscal year 2025.

Mission

TO PROVIDE QUALITY FINANCIAL SERVICES AT FAIR RATES AND TERMS TO MEET OUT MEMBERS' NEEDS. WE STRIVE TOWARD EXCELLENCE AND ACHIEVEMENT THROUGH SERVICE TO OUR MEMBERS.

Program Service Accomplishments

Program 1

PROVIDE 8,124 MEMBERS WITH REGULAR SHARES, MONEY MARKET, SHARE DRAFT, IRA, AND CERTIFICATE OF DEPOSIT ACCOUNTS AS OF DECEMBER 31, 2025.

Program 2

PROVIDE 11,620 LOANS INCLUDING VEHICLE, PERSONAL, MORTGAGE, HOME EQUITY, AND CREDIT CAR LOANS, AS OF DECEMBER 31, 2025.

Program 3

OFFER AUTOMATED TELLER MACHINES, DEBIT CARDS, CHECK CASHING, WIRE TRANSFERS, MONEY ORDERS, TRAVELLERS CHECKS, BILL PAY, OVERDRAFT/COURTESY PAY 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 (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $3,951,792

Investment Income $1,191,199

Other Revenue $14,124

TOTAL REVENUE $5,157,115

Expense Breakdown

Grants Paid $0

Salaries & Benefits $2,688,663

Fundraising Expenses $0

Other Expenses $2,665,134

TOTAL EXPENSES $5,353,797

Year-over-Year Comparison

	2025	2024	Change
Revenue	$5,157,115	$5,061,616	+0.0%
Expenses	$5,353,797	$4,851,353	+0.1%
Net Income	$-196,682	$210,263	-1.9%

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

$416,285

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JULIE RUSHING	CEO	40.00	Officer	$171,431	$52,487	$223,918
LEVON GARBOOSHIAN	CFO	40.00	Officer	$138,684	$53,683	$192,367
SHANI PERRY	COO	40.00		$43,918	$14,785	$58,703
MARGARET ELMORE	Chairman	1.00	Director	$0	$0	$0
RICHARD GIDDENS	Director	1.00	Director	$0	$0	$0
ERIC GILDNER	Secretary	1.00	Director	$0	$0	$0
LORETTA OLSEN	Director	1.00	Director	$0	$0	$0
CARL OUWINGA	Director	1.00	Director	$0	$0	$0
HAROLD MEEUWES	Director	1.00	Director	$0	$0	$0
MARGO COPLEY	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	$5,157,115	$5,353,797	$83,592,619	$-196,682
2024	$5,061,616	$4,851,353	$84,143,370	$210,263
2023	$4,646,021	$4,225,887	$79,644,073	$420,134
2022	$5,024,075	$3,719,833	$80,530,754	$1,304,242
2021	$3,878,905	$3,114,388	$82,520,969	$764,517
2020	$3,537,439	$3,237,462	$73,860,593	$299,977
2019	$3,372,172	$3,085,502	$57,502,133	$286,670
2018	$3,224,572	$3,031,968	$56,490,487	$192,604