ATHENS AREA 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

1959

Legal Domicile

Principal Officer

VALERIE MURRAY

Phone

7152579337

Tax Period

2025-01-01 to 2025-12-31

ATHENS AREA CREDIT UNION, founded in 1959, is a community nonprofit that reported $2.0M in total revenue in fiscal year 2025. Revenue grew 11% year-over-year, indicating healthy expansion. The organization ran a surplus of $717K, a strong 36% operating margin.

Mission

TO PROVIDE THE BEST POSSIBLE FINANCIAL SERVICES TO MEET THE NEEDS OF OUR MEMBERS BY OFFERING FINANCIAL SERVICES AT COMPETITIVE RATES, WHILE MAINTAINING THE CREDIT UNIONS LONG TERM FINANCIAL STABILITY.

Program Service Accomplishments

Program 1

THE CREDIT UNION HAS VARIOUS TYPES OF DEPOSIT ACCOUNTS AVAILABLE FOR OUR MEMBERS. WE OPENED 542 NEW DEPOSIT ACCOUNTS IN 2025. AS OF 12/31/25 WE HAD 2,966 MEMBERS.

Program 2

THE CREDIT UNION HAS SEVERAL TYPES OF LOAN PROGRAMS AVAILABLE FOR OUR MEMBERS. WE FUNDED 183 NEW LOANS TO OUR MEMBERS DURING 2025. AS OF 12/31/25 WE HAD 853 LOANS 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 (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $926,755

Investment Income $1,074,033

Other Revenue $2,358

TOTAL REVENUE $2,003,146

Expense Breakdown

Grants Paid $28,373

Salaries & Benefits $478,608

Fundraising Expenses $0

Other Expenses $779,480

TOTAL EXPENSES $1,286,461

Year-over-Year Comparison

	2025	2024	Change
Revenue	$2,003,146	$1,805,127	+0.1%
Expenses	$1,286,461	$1,246,046	+0.0%
Net Income	$716,685	$559,081	+0.3%

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

$150,830

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
VALERIE MURRAY	PRESIDENT	44.00	Officer	$94,667	$7,156	$101,823
STACY SOENS	VICE PRESIDE	36.00	Officer	$45,823	$3,184	$49,007
CHARLES KORNACK	CHAIR	1.00	Officer Director	$0	$0	$0
AARON STENCIL	VICE CHAIR	0.50	Officer Director	$0	$0	$0
KELLY ALBRECHT	TREASURER	0.50	Officer Director	$0	$0	$0
LISA CZECH	SECRETARY	0.50	Officer Director	$0	$0	$0
DAN NOWAK	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	$2,003,146	$1,286,461	$49,383,728	$716,685
2024	$1,805,127	$1,246,046	$45,871,774	$559,081
2023	$1,452,491	$1,072,191	$47,493,320	$380,300
2022	$985,585	$858,281	$52,635,978	$127,304
2021	$859,253	$854,090	$52,183,876	$5,163
2020	$996,842	$828,478	$43,785,918	$168,364
2019	$1,070,389	$776,633	$32,928,775	$293,756
2018	$967,080	$733,889	$32,194,036	$233,191