ARCADIA 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

1963

Legal Domicile

Principal Officer

MICHELE ROESLER

Phone

8003252126

Tax Period

2025-01-01 to 2025-12-31

ARCADIA CREDIT UNION, founded in 1963, is a community nonprofit that reported $8.0M in total revenue in fiscal year 2025. Revenue grew 11% year-over-year, indicating healthy expansion. The organization ran a surplus of $1.7M, a strong 21% operating margin.

Mission

WE STRIVE TO PROVIDE OUR MEMBERS WITH QUALITY SERVICE, LOW/NO FEES, AND GREAT RATES.

Program Service Accomplishments

Program 1

WE FUNDED 967 LOANS DURING 2025. AS OF 12/31/25, WE HAD 735 MORTGAGES/HOME EQUITY LINES, 1300 CONSUMER LOANS, AND 140 MEMBER BUSINESS LOANS. WE ALSO HAD 959 CREDIT CARD ACCOUNTS WITH OUR MEMBERS.

Program 2

WE HAVE DEPOSIT, TRANSACTION, AND INVESTMENT ACCOUNTS WITH 6958 MEMBERS AT 12/31/25. DURING 2025, WE OPENED 1910 NEW DEPOSIT, TRANSACTION AND INVESTMENT ACCOUNTS.

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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 $6,655,973

Investment Income $1,354,625

Other Revenue $0

TOTAL REVENUE $8,010,598

Expense Breakdown

Grants Paid $0

Salaries & Benefits $2,207,448

Fundraising Expenses $0

Other Expenses $4,122,715

TOTAL EXPENSES $6,330,163

Year-over-Year Comparison

	2025	2024	Change
Revenue	$8,010,598	$7,238,227	+0.1%
Expenses	$6,330,163	$6,176,462	+0.0%
Net Income	$1,680,435	$1,061,765	+0.6%

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

$562,437

Total Directors

$13,482

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
IVAN PRONSCHINSKE	CHAIRPERSON	1.00	Officer Director	$2,933	$0	$2,933
ROBERT BRAUN	VICE CHAIR	1.00	Officer Director	$2,600	$0	$2,600
JOHN T SLABY	TREASURER	1.00	Officer Director	$1,600	$0	$1,600
CAROL WINESKI	VICE CHAIR	1.00	Officer Director	$1,633	$0	$1,633
JOSEPH HAINES	SECRETARY	1.00	Officer Director	$1,433	$0	$1,433
SAM SOBOTTA	DIRECTOR	1.00	Director	$1,433	$0	$1,433
BRUCE SCHWEISTHAL	DIRECTOR	1.00	Director	$1,300	$0	$1,300
JAMES HOESLEY	DIRECTOR	1.00	Director	$550	$0	$550
MICHELE ROESLER	PRESIDENT/CEO	40.00	Officer	$219,347	$148,886	$368,233
SARA MALISZEWSKI	EXECUTIVE VICE-PRESIDENT	40.00	Officer	$116,355	$67,650	$184,005

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	$8,010,598	$6,330,163	$138,970,201	$1,680,435
2024	$7,238,227	$6,176,462	$128,961,428	$1,061,765
2023	$5,873,880	$4,864,206	$123,348,090	$1,009,674
2022	$4,580,474	$3,596,505	$115,271,165	$983,969
2021	$4,047,303	$3,202,270	$109,650,634	$845,033
2020	$3,935,822	$3,253,610	$96,545,820	$682,212
2019	$3,887,047	$3,076,937	$84,738,273	$810,110
2018	$3,653,833	$2,986,531	$75,787,655	$667,302