RIPPLE CREDIT UNION

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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

1960

Legal Domicile

Principal Officer

DANIELLE HILBERT

Phone

9202331140

Tax Period

2025-01-01 to 2025-12-31

RIPPLE CREDIT UNION, founded in 1960, is a community nonprofit that reported $2.4M in total revenue in fiscal year 2025. The organization ran a surplus of $587K, a strong 25% operating margin.

Mission

TO PROVIDE APPROPRIATE FINANCIAL SERVICES TO OUR MEMBERS SO THEY MAY INCREASE THEIR PERSONAL FINANCIAL STRENGTH AND STABILITY.

Program Service Accomplishments

Program 1

THE CREDIT UNION HAS VARIOUS TYPES OF DEPOSIT ACCOUNTS AVAILABLE FOR OUR MEMBERS. WE OPENED 123 NEW DEPOSIT ACCOUNTS IN 2025. AS OF 12/31/25 WE HAD 2,436 MEMBERS.

Program 2

THE CREDIT UNION HAS SEVERAL TYPES OF LOAN PROGRAMS AVAILABLE FOR OUR MEMBERS. WE FUNDED 399 NEW LOANS DURING 2025. AS OF 12/31/25 WE HAD 1,202 OUTSTANDING LOANS RECEIVABLE.

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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 $0

Program Service Revenue $2,109,429

Investment Income $283,116

Other Revenue $690

TOTAL REVENUE $2,393,235

Expense Breakdown

Grants Paid $0

Salaries & Benefits $513,557

Fundraising Expenses $0

Other Expenses $1,292,885

TOTAL EXPENSES $1,806,442

Year-over-Year Comparison

	2025	2024	Change
Revenue	$2,393,235	$2,361,545	+0.0%
Expenses	$1,806,442	$1,769,812	+0.0%
Net Income	$586,793	$591,733	0.0%

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

$128,826

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DANIELLE HILBERT	PRESIDENT/CE	55.00	Officer	$127,706	$1,120	$128,826
ELIZABETH CUMMINGS	CHAIR	0.50	Officer Director	$0	$0	$0
TED BOWEN	VICE-CHAIR	0.50	Officer Director	$0	$0	$0
SUE HAMMERSENG	TREASURER	0.50	Officer Director	$0	$0	$0
PAULA PEDRETTI	SECRETARY	0.50	Officer Director	$0	$0	$0
KIM VERSTEGEN	DIRECTOR	0.50	Director	$0	$0	$0
DAVID KIESOW	DIRECTOR	0.50	Director	$0	$0	$0
TABITHA MILLER	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	$2,393,235	$1,806,442	$36,274,860	$586,793
2024	No data	No data	No data	No data
2023	$2,219,785	$1,628,958	$35,119,008	$590,827
2022	$1,733,210	$1,206,414	$30,574,965	$526,796
2021	$1,554,539	$1,074,358	$27,262,155	$480,181
2020	$1,429,173	$1,066,741	$25,337,183	$362,432
2019	$1,314,857	$934,233	$20,129,284	$380,624
2018	$1,096,804	$814,151	$17,761,083	$282,653