WMCU

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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

1956

Legal Domicile

Principal Officer

JOSEPH HEINTSKILL

Phone

6164514567

Tax Period

2025-01-01 to 2025-12-31

WMCU, founded in 1956, is a mid-sized nonprofit in the Public & Societal Benefit sector that reported $26.2M in total revenue in fiscal year 2025. Revenue surged 82% from the prior year, signaling strong growth momentum. The organization ran a surplus of $4.7M, a strong 18% operating margin.

Mission

DELIVERING RESPONSIBLE FINANCIAL SERVICES THAT EMPOWER OUR MEMBERS AND BUILD A MORE SUSTAINABLE AND RESILIENT FUTURE.

Program Service Accomplishments

Program 1

INCOME FROM THE CREDIT UNION MEMBERSHIP AND FROM THE INVESTMENT OF MEMBER FUNDS PROVIDE THE FOUNDATION FROM WHICH THE ORGANIZATION CAN FUNCTION AND PROVIDE SERVICES TO ITS RESTRICTED MEMBERSHIP.

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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 $331,642

Program Service Revenue $18,297,456

Investment Income $7,594,149

Other Revenue $0

TOTAL REVENUE $26,223,247

Expense Breakdown

Grants Paid $39,000

Salaries & Benefits $8,754,630

Fundraising Expenses $0

Other Expenses $12,691,229

TOTAL EXPENSES $21,484,859

Year-over-Year Comparison

	2025	2024	Change
Revenue	$26,223,247	$14,377,811	+0.8%
Expenses	$21,484,859	$9,842,589	+1.2%
Net Income	$4,738,388	$4,535,222	+0.0%

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

156

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

$1,277,772

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
BRENT NEVINS	CHAIPERSON	5.00	Director	$0	$0	$0
MICHAEL ROPELE	VICE CHAIRPERSON (THRU 3/31/25)	3.00	Director	$0	$0	$0
MARLIN BAKER	DIRECTOR	3.00	Director	$0	$0	$0
DANIEL TITUS	TREASURER	3.00	Director	$0	$0	$0
JOE COUTURE	DIRECTOR (THRU 3/31/25)	3.00	Director	$0	$0	$0
SCOTT COLLINS	DIRECTOR	3.00	Director	$0	$0	$0
CLARE KWANT	DIRECTOR (THRU 3/31/25)	3.00	Director	$0	$0	$0
STEVEN KENYON	DIRECTOR	3.00	Director	$0	$0	$0
SHIRLEE HARRY	DIRECTOR	3.00	Director	$0	$0	$0
BRIAN BORR	DIRECTOR	3.00	Director	$0	$0	$0
MEGHAN KATERBERG	DIRECTOR	3.00	Director	$0	$0	$0
JASON MILLER	SECRETARY	3.00	Director	$0	$0	$0
TODD REMINGA	DIRECTOR	3.00	Director	$0	$0	$0
ROXANNE SPECK	VICE CHAIRPERSON	3.00	Director	$0	$0	$0
WILLIAM KEIM	PRESIDENT	40.00	Officer	$371,408	$48,829	$420,237
THOMAS W KUZDZAL	CHIEF INVESTMENT OFFICER	40.00	Officer	$171,070	$22,192	$193,262
JEANIE SMITH	CHIEF OPERATION OFFICER	40.00	Officer	$141,432	$42,017	$183,449
CASSIE PATTERSON	CHIEF RISK AND COMPLIANCE OFFICER	40.00	Officer	$148,759	$11,253	$160,012
JOSEPH HEINTSKILL	CEO	40.00	Officer	$156,695	$15,027	$171,722
ROBERT DRAEGER	CHIEF FINANCIAL OFFICER	40.00	Officer	$132,180	$16,910	$149,090
WILLIAM SENIURA	VP OF COMMERICAL LENDING	40.00	Highest	$120,686	$9,709	$130,395
JENNIFER BRIGSTOCK	VP OF OPERATIONS	40.00	Highest	$106,633	$11,344	$117,977
BRIANA VACHON	VP OF HUMAN RESOURCES	40.00	Highest	$101,748	$14,914	$116,662

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	$26,223,247	$21,484,859	$442,908,616	$4,738,388
2024	$14,377,811	$9,842,589	$252,339,496	$4,535,222
2023	$13,254,286	$10,123,384	$253,915,068	$3,130,902
2022	$12,249,801	$9,180,849	$272,614,211	$3,068,952
2021	$8,907,021	$7,374,400	$223,420,342	$1,532,621
2020	$8,305,250	$6,733,891	$198,676,279	$1,571,359
2019	$8,235,674	$6,523,799	$165,981,769	$1,711,875