FILER CREDIT UNION (EIN 386064790) - 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

1951

Legal Domicile

Principal Officer

KYLE GURZYNSKI

Phone

2317233400

Tax Period

2024-01-01 to 2024-12-31

FILER CREDIT UNION, founded in 1951, is a mid-sized nonprofit that reported $12.0M in total revenue in fiscal year 2024. Revenue grew 20% year-over-year, indicating healthy expansion. The organization ran a surplus of $1.9M, a strong 16% operating margin.

Mission

BUILDING MEMBER-OWNED, LIFE-LONG RELATIONSHIPS, ONE MEMBER AT A TIME.

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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 $8,533,154

Investment Income $2,437,515

Other Revenue $1,038,677

TOTAL REVENUE $12,009,346

Expense Breakdown

Grants Paid $36,000

Salaries & Benefits $2,917,453

Fundraising Expenses $0

Other Expenses $7,174,266

TOTAL EXPENSES $10,127,719

Year-over-Year Comparison

	2024	2023	Change
Revenue	$12,009,346	$10,019,493	+0.2%
Expenses	$10,127,719	$8,228,592	+0.2%
Net Income	$1,881,627	$1,790,901	+0.1%

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

$357,926

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
RICHARD TETSWORTH	BOARD PRESIDENT	1.00	Director	$0	$0	$0
CYNTHIA WANGBICHLER	BOARD VICE PRESIDENT	1.00	Director	$0	$0	$0
CONSTANCE WATSON	BOARD SECRETARY/TREASURER	1.00	Director	$0	$0	$0
THOMAS BATZER	BOARD MEMBER	1.00	Director	$0	$0	$0
JAMES SIBLEY	BOARD MEMBER	1.00	Director	$0	$0	$0
JEAN SOLTES	BOARD MEMBER	1.00	Director	$0	$0	$0
ZACHARY BIALIK	BOARD MEMBER	1.00	Director	$0	$0	$0
BRIAN KRUS	BOARD MEMBER	1.00	Director	$0	$0	$0
RANDY ZAKRAJSEK	ASSOCIATE BOARD MEMBER	1.00	Director	$0	$0	$0
MARI MANKE	ASSOCIATE BOARD MEMBER	1.00	Director	$0	$0	$0
CHRIS TRESNEK	ASSOCIATE BOARD MEMBER	1.00	Director	$0	$0	$0
MITCH FOSTER	ASSOCIATE BOARD MEMBER	1.00	Director	$0	$0	$0
BONNIE COTE	BOARD EMERITUS	1.00	Director	$0	$0	$0
THOMAS MATERNOWSKI	BOARD EMERITUS	1.00	Director	$0	$0	$0
KYLE GURZYNSKI	CEO	40.00	Officer	$171,323	$35,495	$206,818
KACI KAMALOSKI	CFO	40.00	Officer	$117,055	$34,053	$151,108

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
2024	$12,009,346	$10,127,719	$236,137,876	$1,881,627
2023	$10,019,493	$8,228,592	$232,607,925	$1,790,901
2023	$10,019,493	$8,228,592	$232,907,925	$1,790,901
2022	$7,809,519	$5,147,655	$221,697,993	$2,661,864
2021	$6,778,543	$4,561,553	$216,138,619	$2,216,990
2020	$6,225,169	$4,764,422	$192,173,387	$1,460,747
2019	$6,034,792	$4,828,298	$157,533,855	$1,206,494
2018	$5,444,704	$4,314,736	$143,233,201	$1,129,968

FILER CREDIT UNION