NSP 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

1933

Legal Domicile

Principal Officer

CHARLIE YENNI

Phone

6512287668

Tax Period

2025-01-01 to 2025-12-31

NSP CREDIT UNION, founded in 1933, is a community nonprofit that reported $2.0M in total revenue in fiscal year 2025. Expenses of $2.2M exceeded revenue, resulting in a 11% operating deficit.

Mission

DELIVERING PERSONALIZED SERVICE TO EMPOWER OUR MEMBERS' FINANCIAL DECISIONS.

Program Service Accomplishments

Program 1

THE CREDIT UNION HAS VARIOUS TYPES OF DEPOSIT ACCOUNTS AVAILABLE FOR OUR MEMBERS. WE OPENED 41 NEW DEPOSIT ACCOUNTS IN 2025. AS OF 12/31/25 WE HAD 2,707 MEMBERS.

Program 2

THE CREDIT UNION HAS SEVERAL TYPES OF LOAN PROGRAMS AVAILABLE FOR OUR MEMBERS. WE FUNDED 39,446 NEW LOANS DURING 2025. AS OF 12/31/25 WE HAD 126,994 OUTSTANDING LOANS RECEIVABLE.

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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 $6,800

Program Service Revenue $1,869,490

Investment Income $129,951

Other Revenue $4,426

TOTAL REVENUE $2,010,667

Expense Breakdown

Grants Paid $4,700

Salaries & Benefits $708,846

Fundraising Expenses $0

Other Expenses $1,526,139

TOTAL EXPENSES $2,239,685

Year-over-Year Comparison

	2025	2024	Change
Revenue	$2,010,667	$2,103,894	0.0%
Expenses	$2,239,685	$2,240,516	0.0%
Net Income	$-229,018	$-136,622	+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

Volunteers

N/A

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

$183,109

Total Directors

$4,192

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CHARLIE YENNI	PRESIDENT/CE	50.00	Officer	$137,371	$43,571	$180,942
TODD RIEBE	DIRECTOR	0.75	Director	$962	$0	$962
JENNY BORGERSON RIES	SECRETARY	0.50	Officer Director	$616	$0	$616
CORY BROWN	VICE CHAIR	0.50	Officer Director	$563	$0	$563
DARREN KARNES	DIRECTOR	0.50	Director	$547	$0	$547
BRANDON CRAMER	CHAIR	0.50	Officer Director	$523	$0	$523
ALEX AUTIO	DIRECTOR	0.50	Director	$516	$0	$516
CHRISTINE MCGINNIS	TREASURER	0.50	Officer Director	$465	$0	$465

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	$2,010,667	$2,239,685	$36,336,372	$-229,018
2024	$2,103,894	$2,240,516	$38,341,337	$-136,622
2023	$2,042,492	$2,159,122	$42,668,678	$-116,630
2022	$2,006,584	$1,770,336	$45,122,737	$236,248
2021	$2,082,006	$1,551,166	$47,099,789	$530,840
2020	$1,847,060	$1,675,613	$44,988,004	$171,447
2019	$1,902,582	$1,627,970	$43,298,540	$274,612
2018	$1,843,323	$1,584,641	$43,892,726	$258,682