HOLY FAMILY MEMORIAL 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

1961

Legal Domicile

Principal Officer

JOEL STROZEWSKI

Phone

9203202209

Tax Period

2025-01-01 to 2025-12-31

HOLY FAMILY MEMORIAL CREDIT UNION, founded in 1961, is a small nonprofit that reported $851K in total revenue in fiscal year 2025. Revenue grew 11% year-over-year, indicating healthy expansion. Expenses of $755K left a modest 11% surplus.

Mission

ADVANCING FINANCIAL HEALTH AND QUALITY OF LIFE FOR MEMBERS WITH PERSONALIZED GUIDANCE AND VALUE-DRIVEN SERVICE.

Program Service Accomplishments

Program 1

THE CREDIT UNION HAS VARIOUS TYPES OF DEPOSIT ACCOUNTS AVAILABLE FOR OUR MEMBERS. WE OPENED 305 NEW DEPOSIT ACCOUNTS IN 2025. AS OF 12/31/25 WE HAD 1,313 MEMBERS.

Program 2

THE CREDIT UNION HAS SEVERAL TYPES OF LOAN PROGRAMS AVAILABLE FOR OUR MEMBERS. WE FUNDED 98 NEW LOANS DURING 2025. AS OF 12/31/25 WE HAD 570 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 $13,000

Program Service Revenue $536,945

Investment Income $298,979

Other Revenue $2,383

TOTAL REVENUE $851,307

Expense Breakdown

Grants Paid $7,500

Salaries & Benefits $360,708

Fundraising Expenses $0

Other Expenses $386,523

TOTAL EXPENSES $754,731

Year-over-Year Comparison

	2025	2024	Change
Revenue	$851,307	$766,792	+0.1%
Expenses	$754,731	$613,824	+0.2%
Net Income	$96,576	$152,968	-0.4%

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

$139,698

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JOEL STROZEWSKI	PRES/CEO	40.00	Officer	$97,833	$5,710	$103,543
DAMIEN MOHORNE	OPERATIONS D	40.00	Officer	$34,976	$1,179	$36,155
JOHN KONICEK	CHAIR	2.00	Officer Director	$0	$0	$0
DEREK BROWN	VICE CHAIR	N/A	Officer Director	$0	$0	$0
PATRICK BRANDEL	TREASURER	2.00	Officer Director	$0	$0	$0
KAREN KREPLINE	PRIOR TREASU	2.00	Officer Director	$0	$0	$0
REBECCA SCHLEIS	SECCRETARY	2.00	Officer Director	$0	$0	$0
KATHY SCHLEIS	DIRECTOR	2.00	Director	$0	$0	$0
RYAN DOPIRAK	DIRECTOR	2.00	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	$851,307	$754,731	$18,864,701	$96,576
2024	$766,792	$613,824	$17,708,176	$152,968
2023	$624,470	$513,799	$16,839,668	$110,671
2022	$473,046	$412,192	$17,977,082	$60,854
2021	$472,400	$445,418	$18,861,546	$26,982
2020	$501,965	$468,004	$17,317,045	$33,961
2019	$567,456	$505,754	$15,137,570	$61,702
2018	$565,339	$493,075	$15,278,133	$72,264