WEA CREDIT UNION (EIN 390716620) - 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

1931

Legal Domicile

Principal Officer

CASSANDRA THOM

Phone

6082749828

Tax Period

2025-01-01 to 2025-12-31

WEA CREDIT UNION, founded in 1931, is a community nonprofit that reported $2.2M in total revenue in fiscal year 2025. Revenue grew 17% year-over-year, indicating healthy expansion. The organization ran a surplus of $438K, a strong 20% operating margin.

Mission

WEA CREDIT UNION WAS CREATED AND SPONSORED BY WEAC FOR TWO REASONS. TO PROVIDE A CONFIDENTIAL SERVICE FROM WHICH MEMBERS OF WEAC CAN BORROW MONEY AT SUBSTANTIALLY LOWER RATES OF INTERST THAN IS POSSIBLE FROM SMALL LOAN COMPANIES OR LOCAL LENDING AGENCIES. AND TO FURNISH THE OPPORTUNITY FOR INVESTMENT BY MEMBERS WHO DESIRE TO PUT THEIR MONEY IN A SAFE AND HELPFUL BUSINESS PROGRAM.

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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 $15,000

Program Service Revenue $1,525,918

Investment Income $623,118

Other Revenue $2,848

TOTAL REVENUE $2,166,884

Expense Breakdown

Grants Paid $1,714

Salaries & Benefits $499,766

Fundraising Expenses $0

Other Expenses $1,227,748

TOTAL EXPENSES $1,729,228

Year-over-Year Comparison

	2025	2024	Change
Revenue	$2,166,884	$1,857,966	+0.2%
Expenses	$1,729,228	$1,510,712	+0.1%
Net Income	$437,656	$347,254	+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

$138,905

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CASSANDRA THOM	PRESIDENT/CE	50.00	Officer	$96,151	$42,754	$138,905
RUSSELL ALLEN	CHAIR	0.75	Officer Director	$0	$0	$0
ROSS HAMPTON	VICE CHAIR	0.50	Officer Director	$0	$0	$0
LEIGH BARKER CHEESEBRO	TREASURER	0.50	Officer Director	$0	$0	$0
KATHRYN NAUTA	SECRETARY	0.50	Officer Director	$0	$0	$0
TERRANCE CRANEY	DIRECTOR	0.50	Director	$0	$0	$0
JILL HEIN	DIRECTOR	0.50	Director	$0	$0	$0
JOANNE FITZGERALD	DIRECTOR	0.50	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	$2,166,884	$1,729,228	$41,391,802	$437,656
2024	No data	No data	No data	No data
2023	$1,501,987	$1,206,979	$37,997,463	$295,008
2022	$1,122,821	$998,924	$37,823,482	$123,897
2021	$1,002,547	$1,000,361	$36,531,138	$2,186
2020	$1,113,305	$1,031,034	$32,512,944	$82,271
2019	$1,256,055	$1,033,693	$28,272,644	$222,362
2018	$1,169,435	$898,349	$27,179,391	$271,086

WEA CREDIT UNION