SERVICE CREDIT UNION (EIN 390607767) - 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

1934

Legal Domicile

Principal Officer

NICOLE FAWCETT

Phone

9204331784

Tax Period

2025-01-01 to 2025-12-31

SERVICE CREDIT UNION, founded in 1934, is a small nonprofit that reported $607K in total revenue in fiscal year 2025. Expenses of $521K left a modest 14% surplus.

Mission

PROVIDE MEMBERS WITH COMPETITIVE, HIGH QUALITY FINANCIAL SERVICES IN A PROFESSIONAL AND FRIENDLY MANNER WHILE MAINTAINING A POSITION OF SAFETY, SOUNDNESS AND STRENGTH.

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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 $1,852

Program Service Revenue $480,205

Investment Income $125,022

Other Revenue $0

TOTAL REVENUE $607,079

Expense Breakdown

Grants Paid $0

Salaries & Benefits $212,686

Fundraising Expenses $0

Other Expenses $308,536

TOTAL EXPENSES $521,222

Year-over-Year Comparison

	2025	2024	Change
Revenue	$607,079	$595,589	+0.0%
Expenses	$521,222	$528,107	0.0%
Net Income	$85,857	$67,482	+0.3%

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

$104,623

Total Directors

$1,960

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
NICOLE FAWCETT	PRESIDENT	40.00	Officer	$98,536	$4,927	$103,463
TED PROSSER	SECRETARY	0.25	Officer Director	$560	$0	$560
BRADLEY COENEN	CHAIR	0.25	Officer Director	$200	$0	$200
BRANDON GERLIKOWSKI	DIRECTOR	0.25	Director	$200	$0	$200
WILLIAM GRUHLKE	DIRECTOR	0.25	Director	$200	$0	$200
JESSICA KUGEL	TREASURER	0.25	Officer Director	$200	$0	$200
SARAH MEAD	VICE CHAIR	0.25	Officer Director	$200	$0	$200
HOLLY NERAT	DIRECTOR	0.25	Director	$200	$0	$200
MARCIA THOMPSON	DIRECTOR	0.25	Director	$200	$0	$200
KRISTY KAYE	PRIOR CHAIR	0.25	Officer 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	$607,079	$521,222	$12,369,274	$85,857
2024	$595,589	$528,107	$12,525,020	$67,482
2023	$487,233	$482,317	$13,704,905	$4,916
2022	$336,083	$315,537	$14,580,125	$20,546
2021	$356,800	$318,387	$14,164,841	$38,413
2020	$425,422	$316,440	$14,058,986	$108,982
2019	$400,816	$329,426	$12,569,412	$71,390
2018	$358,375	$312,536	$11,725,089	$45,839

SERVICE CREDIT UNION