EVERGREEN CREDIT UNION (EIN 390957477) - 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

1958

Legal Domicile

Principal Officer

LISA HABLE

Phone

9207292999

Tax Period

2024-01-01 to 2024-12-31

EVERGREEN CREDIT UNION, founded in 1958, is a community nonprofit that reported $3.3M in total revenue in fiscal year 2024. Revenue grew 16% year-over-year, indicating healthy expansion. The organization ran a surplus of $900K, a strong 27% operating margin.

Mission

WE ARE ON A MISSION TO BE THE MOST ENVIRONMENTALLY RESPONSIBLE CREDIT UNION IN THE NATION WHILE CONTINUING TO PROVIDE AMAZING SERVICE TO OUR MEMBERS.

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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 $2,688,953

Investment Income $594,255

Other Revenue $4,320

TOTAL REVENUE $3,287,528

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,030,288

Fundraising Expenses $0

Other Expenses $1,356,993

TOTAL EXPENSES $2,387,281

Year-over-Year Comparison

	2024	2023	Change
Revenue	$3,287,528	$2,837,100	+0.2%
Expenses	$2,387,281	$2,395,304	0.0%
Net Income	$900,247	$441,796	+1.0%

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

$99,957

Total Directors

$99,957

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CRAIG EILERS	SECRETARY	0.50	Officer Director	$0	$0	$0
EMILY CHARLES	CHAIR	0.50	Officer Director	$0	$0	$0
JOE KRONCKE	DIRECTOR	0.50	Director	$0	$0	$0
NATHAN KAROW	TREASURER	0.50	Officer Director	$0	$0	$0
LISA HABLE	PRESIDENT/CEO	40.00	Officer Director	$93,418	$6,539	$99,957
SARA BONNELL	DIRECTOR	0.50	Director	$0	$0	$0
MELISSA NOFFKE	DIRECTOR	0.50	Director	$0	$0	$0
JAKE BIGGAR	VICE CHAIR	0.50	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
2024	$3,287,528	$2,387,281	$57,611,711	$900,247
2023	$2,837,100	$2,395,304	$57,912,465	$441,796
2022	$2,272,655	$1,886,206	$55,985,176	$386,449
2021	$2,047,337	$1,860,704	$54,664,886	$186,633
2020	$2,076,712	$1,568,906	$49,192,815	$507,806
2019	$2,133,483	$1,562,650	$40,545,071	$570,833
2018	$1,986,333	$1,590,800	$37,779,430	$395,533

EVERGREEN CREDIT UNION