FEDERATED EMPLOYEES 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

1934

Legal Domicile

Principal Officer

JEREMIAH FLYNN

Phone

5074555430

Tax Period

2024-01-01 to 2024-12-31

FEDERATED EMPLOYEES CREDIT UNION, founded in 1934, is a community nonprofit that reported $2.6M in total revenue in fiscal year 2024. Revenue grew 14% year-over-year, indicating healthy expansion. Expenses of $2.4M left a modest 8% surplus.

Mission

TO PROVIDE COMPETITIVE, PROGRESSIVE FINANCIAL SERVICES THAT MEET THE NEEDS OF OUR MEMBERS WHILE PROVIDING FINANCIAL EDUCATION AND MAINTAINING FINANCIAL STABILITY.

Program Service Accomplishments

Program 1

FEDERATED EMPLOYEES CREDIT UNION RETURNS FUNDS TO MEMBERS IN THE FORM OF DIVIDENDS AND INTEREST WHICH ARE PAID ON ALL SHARE AND CERTIFICATE ACCOUNTS IN THE AMOUNT OF $1,169,930.

Program 2

FEDERATED EMPLOYEES CREDIT UNION FOCUSES ON PROVIDING SAVINGS DEPOSIT SERVICES, ORIGINATING NEW LOANS AND SERVICING THE LOAN PORTFOLIO FOR MEMBERS.

Program 3

RECORDING MEMBER ACCOUNT ACTIVITY AND PROVIDING ACCESS TO MEMBERS TO THEIR ACCOUNTS VIA HOME BANKING, MOBILE BANKING, ATM NETWORKS AND IN PERSON AT THE CREDIT UNION OFFICE.

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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 $2,064,946

Investment Income $508,126

Other Revenue $0

TOTAL REVENUE $2,573,072

Expense Breakdown

Grants Paid $0

Salaries & Benefits $669,359

Fundraising Expenses $0

Other Expenses $528,931

TOTAL EXPENSES $2,368,220

Year-over-Year Comparison

	2024	2023	Change
Revenue	$2,573,072	$2,256,866	+0.1%
Expenses	$2,368,220	$2,040,574	+0.2%
Net Income	$204,852	$216,292	-0.1%

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

$159,652

Total Directors

$11,164

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JEREMIAH FLYNN	TREASURER	5.00	Officer Director	$11,164	$0	$11,164
CHRISTOPHER DITLEVSON	CHAIRPERSON	2.00	Officer Director	$0	$0	$0
TRAVIS SPARKS	ASST. TREASURER	3.00	Officer Director	$0	$0	$0
PAMELA DONKERS	SECRETARY	1.00	Officer Director	$0	$0	$0
SHANNON BLATTI	DIRECTOR	1.00	Director	$0	$0	$0
BRIAN SCHLAUDERAFF	DIRECTOR	4.00	Director	$0	$0	$0
PETER KEHLER	VICE CHAIR	1.00	Officer Director	$0	$0	$0
ANNETTE ARNDT	MANAGER	40.00	Officer	$98,148	$50,340	$148,488

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	No data	No data	No data	No data
2024	$2,573,072	$2,368,220	$59,634,509	$204,852
2023	$2,256,866	$2,040,574	$56,183,540	$216,292
2022	$1,718,744	$1,359,808	$57,345,907	$358,936
2021	$1,651,241	$1,442,200	$59,636,885	$209,041
2020	$1,538,597	$1,341,209	$52,928,096	$197,388
2019	$1,569,650	$1,397,338	$45,258,918	$172,312
2018	$1,486,468	$1,275,527	$43,146,592	$210,941