AVESTAR CREDIT UNION

EIN: 396069815

WATERLOO, WI

Total Revenue
$4,499,873
Total Expenses
$4,197,030
Total Assets
$64,992,857
Net Assets
$7,922,463
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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
1964
Legal Domicile
WI
Principal Officer
JENNIFER KUTZ
Phone
9204782151
Tax Period
2025-01-01 to 2025-12-31

AVESTAR CREDIT UNION, founded in 1964, is a community nonprofit that reported $4.5M in total revenue in fiscal year 2025. Expenses of $4.2M left a modest 7% surplus.

Mission

AVESTAR CREDIT UNION IS COMMITTED TO PROVIDING ITS MEMBERS SOUND AND DEPENDABLE FINANCIAL SERVICE. OUR MEMBERS WILL RECEIVE FAIR AND COMPETITIVE RATES, WHILE WE MAINTAIN THE FINANCIAL STABILITY OF THE CREDIT UNION.

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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%)

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Financial Overview (2025)

Revenue Breakdown

Contributions & Grants $0
Program Service Revenue $4,274,780
Investment Income $197,603
Other Revenue $27,490
TOTAL REVENUE $4,499,873

Expense Breakdown

Grants Paid $3,000
Salaries & Benefits $1,694,132
Fundraising Expenses $0
Other Expenses $2,499,898
TOTAL EXPENSES $4,197,030

Year-over-Year Comparison

2025 2024 Change
Revenue $4,499,873 $4,329,309 +0.0%
Expenses $4,197,030 $4,289,413 0.0%
Net Income $302,843 $39,896 +6.6%
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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Governance

Voting Members
11
Independent Members
9
Employees
32
Volunteers
9

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
6
$191,525
Total Directors
11
$191,525
Key Employees
0
$0
Highest Compensated
0
reported
Name Title Hours/Week Role Reportable Comp Other Comp Total
JENNIFER KUTZ PRESIDENT 45.00
Officer Director
$121,793 $16,944 $138,737
KAY RADLOFF CEO 45.00
Officer Director
$50,397 $2,391 $52,788
RON KLUGE CHAIR 1.00
Officer Director
$0 $0 $0
MARYLS SCHMIDT VICE CHAIR 1.00
Officer Director
$0 $0 $0
LEE FIEDOROWICZ TREASURER 1.00
Officer Director
$0 $0 $0
DOROTHY STEFFENS SECRETARY 1.00
Officer Director
$0 $0 $0
KAREN MOON DIRECTOR 1.00
Director
$0 $0 $0
COLE MASON DIRECTOR 1.00
Director
$0 $0 $0
JOSH KLUGE DIRECTOR 1.00
Director
$0 $0 $0
NICOLE WHITMORE DIRECTOR 1.00
Director
$0 $0 $0
SUE POWERS DIRECTOR 1.00
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 $4,499,873 $4,197,030 $64,992,857 $302,843
2024 No data No data No data No data
2023 $2,275,775 $2,159,743 $64,488,200 $116,032
2022 $1,692,693 $1,505,666 $37,347,210 $187,027
2021 $1,531,500 $1,304,611 $36,149,842 $226,889
2020 $1,542,404 $1,279,843 $31,306,176 $262,561
2019 $1,475,328 $1,186,663 $25,738,358 $288,665
2018 $1,345,856 $1,142,776 $24,118,171 $203,080
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