VALLEY COMMUNITIES CREDIT UNION (EIN 390744482) - 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

1935

Legal Domicile

Principal Officer

KELLY HLADOVCAK

Phone

7156935776

Tax Period

2023-01-01 to 2023-12-31

VALLEY COMMUNITIES CREDIT UNION, founded in 1935, is a mid-sized nonprofit that reported $11.5M in total revenue in fiscal year 2023. Revenue surged 36% from the prior year, signaling strong growth momentum. The organization ran a surplus of $1.8M, a strong 16% operating margin.

Mission

OUR MISSION IS TO BUILD LIFELONG RELATIONSHIPS ONE MEMBER AT A TIME; PROVIDING SOUND FINANCIAL PRODUCTS AND SERVICES.

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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 (2023)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $8,013,544

Investment Income $3,437,032

Other Revenue $12,920

TOTAL REVENUE $11,463,496

Expense Breakdown

Grants Paid $0

Salaries & Benefits $4,137,823

Fundraising Expenses $0

Other Expenses $5,494,347

TOTAL EXPENSES $9,632,170

Year-over-Year Comparison

	2023	2022	Change
Revenue	$11,463,496	$8,456,168	+0.4%
Expenses	$9,632,170	$7,346,398	+0.3%
Net Income	$1,831,326	$1,109,770	+0.7%

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

$817,020

Total Directors

$25,165

Key Employees

$195,873

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ELIZABETH JAKUSZ	CHAIR	4.00	Officer Director	$5,590	$0	$5,590
PAUL DAVIS	VICE CHAIR	1.00	Officer Director	$3,305	$0	$3,305
JAMES KRZMARCIK	TREASURER	1.00	Officer Director	$3,439	$0	$3,439
KRIS LEHMAN	SECRETARY	1.00	Officer Director	$3,573	$0	$3,573
HAROLD MATIS	DIRECTOR	1.00	Director	$3,086	$0	$3,086
MIKE WALTERS	DIRECTOR	1.00	Director	$3,086	$0	$3,086
KEVIN WIPFLI	DIRECTOR	1.00	Director	$3,086	$0	$3,086
KELLY HLADOVCAK	CEO	40.00	Officer	$561,091	$40,680	$601,771
JEFFREY HORNE	CFO	40.00	Officer	$164,481	$34,861	$199,342
ADAM DYKMAN	COO	40.00	Key Emp	$161,190	$34,683	$195,873
ANGELA DINKINS	CLO	40.00	Highest	$134,880	$62,584	$197,464

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	No data	No data	No data	No data
2023	$11,463,496	$9,632,170	$237,705,715	$1,831,326
2022	$8,456,168	$7,346,398	$234,151,522	$1,109,770
2021	$7,045,989	$6,346,948	$225,686,419	$699,041
2020	$7,619,348	$6,651,964	$205,282,266	$967,384
2019	$8,205,600	$6,658,367	$179,770,750	$1,547,233
2018	$7,371,811	$6,194,505	$164,300,420	$1,177,306

VALLEY COMMUNITIES CREDIT UNION