SAGINAW, MI
4 risk indicators measuring financial stability and operational resilience
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Sign In — Free (10 views/day)CREDIT UNIONS CHARTERED IN THE STAT E OF MICHIGAN - UNITED FINANCIAL CR, founded in 1964, is a mid-sized nonprofit that reported $16.8M in total revenue in fiscal year 2024. Revenue grew 12% year-over-year, indicating healthy expansion. Expenses of $15.4M left a modest 9% surplus.
THROUGH INNOVATIVE, FRIENDLY, AND QUALITY SERVICE, UNITED FINANCIAL CREDIT UNION WILL PROVIDE LONG-TERM FINANCIAL STABILITY TO OUR CREDIT UNION, OUR MEMBERS AND THEIR FAMILIES
PROVIDE 21,344 MEMBERS WITH REGULAR SHARES, MONEY MARKET, VACATION CLUB, CHRISTMAS CLUB, SHARE DRAFT, IRA, AND CERTIFICATES OF DEPOSIT
PROVIDE 9,917 LOANS, INCLUDING VEHICLE, REAL ESTATE, HOME EQUITY, SHARE SECURED, INDIRECT, BUSINESS AND PERSONAL LOANS
OFFER AUTOMATED TELLER MACHINES, DEBIT CARDS, WIRE TRANSFERS, MONEY ORDERS, BILL PAYMENT, OVERDRAFT PROTECTION/COURTESY PAY, REMOTE DEPOSIT CAPTURE, MOBILE BANKING, ID PROTECTION, AND VARIOUS...
OFFER AUTOMATED TELLER MACHINES, DEBIT CARDS, WIRE TRANSFERS, MONEY ORDERS, BILL PAYMENT, OVERDRAFT PROTECTION/COURTESY PAY, REMOTE DEPOSIT CAPTURE, MOBILE BANKING, ID PROTECTION, AND VARIOUS INSURANCE PROGRAMS TO ALL ELIGIBLE MEMBERS
Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency
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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)
Sign In — Free (10 views/day)| 2024 | 2023 | Change | |
|---|---|---|---|
| Revenue | $16,793,117 | $14,931,851 | +0.1% |
| Expenses | $15,353,579 | $13,349,594 | +0.2% |
| Net Income | $1,439,538 | $1,582,257 | -0.1% |
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
Sign In| Name | Title | Hours/Week | Role | Reportable Comp | Other Comp | Total |
|---|---|---|---|---|---|---|
| BARBARA APPOLD | CEO | 40.00 |
Officer
|
$235,995 | $28,931 | $264,926 |
| JOSHUA SAWYER | CLO | 40.00 |
Officer
|
$130,063 | $18,764 | $148,827 |
| JARED KACZMARCZYK | CFO | 40.00 |
Officer
|
$119,072 | $11,915 | $130,987 |
| ROBERT CALLISON | VICE CHAIR | 1.00 |
Officer
Director
|
$0 | $0 | $0 |
| GEORGE CORSER | SECRETARY | 1.00 |
Officer
Director
|
$0 | $0 | $0 |
| LUKE DANKERT | TREASURER | 1.00 |
Officer
Director
|
$0 | $0 | $0 |
| SHERWIN FAULK | DIRECTOR | 1.00 |
Director
|
$0 | $0 | $0 |
| PATRICIA HATCH | DIRECTOR | 1.00 |
Director
|
$0 | $0 | $0 |
| DANIEL NOONAN | DIRECTOR | 1.00 |
Director
|
$0 | $0 | $0 |
| JILLYAN POAG | DIRECTOR | 1.00 |
Director
|
$0 | $0 | $0 |
| RONALD TREVILLIAN | DIRECTOR | 1.00 |
Director
|
$0 | $0 | $0 |
| EDWARD ULMER | CHAIRPERSON | 1.00 |
Officer
Director
|
$0 | $0 | $0 |
| Year | Revenue | Expenses | Assets | Net Income |
|---|---|---|---|---|
| 2025 | No data | No data | No data | No data |
| 2024 | $16,793,117 | $15,353,579 | $316,863,291 | $1,439,538 |
| 2023 | $14,931,851 | $13,349,594 | $320,268,833 | $1,582,257 |
| 2022 | $12,994,180 | $10,341,518 | $320,414,364 | $2,652,662 |
| 2021 | $12,154,381 | $9,365,878 | $311,878,059 | $2,788,503 |
| 2020 | $11,578,828 | $9,012,921 | $268,840,219 | $2,565,907 |
| 2019 | $10,945,988 | $8,931,242 | $233,337,718 | $2,014,746 |
| 2018 | $10,135,182 | $8,474,603 | $216,185,657 | $1,660,579 |
Compare CREDIT UNIONS CHARTERED IN THE STAT E OF MICHIGAN - UNITED FINANCIAL CR with other nonprofits in Michigan and across the country.