SENTRY 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

1935

Legal Domicile

Principal Officer

TIMOTHY BARTHEL

Phone

7153466534

Tax Period

2024-01-01 to 2024-12-31

SENTRY CREDIT UNION, founded in 1935, is a community nonprofit that reported $6.9M in total revenue in fiscal year 2024. Revenue grew 18% year-over-year, indicating healthy expansion. Expenses of $6.6M left a modest 5% surplus.

Mission

TO DELIVER SAFE, COMPETITIVE AND CONVENIENT PERSONAL BANKING PRODUCTS, WITH EXCEPTIONAL SERVICE, TO OUR MEMBERS. AS A TRUSTED PARTNER, OUR SOLID FINANCIAL STRENGTH ENSURES MEMBERS CAN RELY US TO ASSIST TOWARD ATTAINING THEIR FINANCIAL GOALS WHILE CREATING HIGHLY VALUED BENEFIT.

Program Service Accomplishments

Program 1

HOLDING DEPOSITS FOR AND MAKING LOANS TO 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 $5,136,766

Investment Income $1,758,760

Other Revenue $18,000

TOTAL REVENUE $6,913,526

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,584,692

Fundraising Expenses $0

Other Expenses $4,983,609

TOTAL EXPENSES $6,568,301

Year-over-Year Comparison

	2024	2023	Change
Revenue	$6,913,526	$5,872,022	+0.2%
Expenses	$6,568,301	$4,631,848	+0.4%
Net Income	$345,225	$1,240,174	-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

N/A

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

$209,512

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DEANNA DECALUWE	DIRECTOR	0.50	Director	$0	$0	$0
BRUCE GEORGENSON	DIRECTOR	0.50	Director	$0	$0	$0
JAMES NICKERSON	DIRECTOR	0.50	Director	$0	$0	$0
ANDREW KRUIT	CHAIR	0.50	Officer Director	$0	$0	$0
HARRY RICE	SECRETARY	0.50	Officer Director	$0	$0	$0
MIKE BILBREY	TREASURER	0.50	Officer Director	$0	$0	$0
JOE MORGAN	DIRECTOR	0.50	Director	$0	$0	$0
DENNIS GRUETZMACHER	VICE CHAIR	0.50	Officer Director	$0	$0	$0
AMY HELTON	DIRECTOR	0.50	Director	$0	$0	$0
TIMOTHY BARTHEL	PRESIDENT	45.00	Officer	$0	$36,112	$209,512

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	$6,913,526	$6,568,301	$143,349,770	$345,225
2023	$5,872,022	$4,631,848	$140,784,155	$1,240,174
2022	$3,850,431	$3,202,537	$136,934,378	$647,894
2021	$3,410,281	$2,887,449	$131,234,457	$522,832
2020	$3,663,124	$2,861,139	$120,675,360	$801,985
2019	$3,813,787	$3,318,827	$104,243,954	$494,960
2018	$3,398,585	$2,609,404	$97,616,544	$789,181