METROPOLITAN SERVICES 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

1939

Legal Domicile

Principal Officer

Crystal Rylicki

Phone

6516028105

Tax Period

2025-01-01 to 2025-12-31

METROPOLITAN SERVICES CREDIT UNION, founded in 1939, is a small nonprofit that reported $653K in total revenue in fiscal year 2025. Revenue grew 12% year-over-year, indicating healthy expansion. The organization ran a surplus of $140K, a strong 21% operating margin.

Mission

Provide financial services to members of the credit union.

Program Service Accomplishments

Program 1

Dividends paid to members share accounts

Program 2

Annual Meeting of the membership as required by the bylaws

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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 $491,596

Investment Income $111,907

Other Revenue $49,075

TOTAL REVENUE $652,578

Expense Breakdown

Grants Paid $0

Salaries & Benefits $235,364

Fundraising Expenses $0

Program Expenses $0

Other Expenses $277,043

TOTAL EXPENSES $512,407

Year-over-Year Comparison

	2025	2024	Change
Revenue	$652,578	$583,696	+0.1%
Expenses	$512,407	$541,843	-0.1%
Net Income	$140,171	$41,853	+2.3%

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

N/A

Independent Members

N/A

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

Total Directors

Key Employees

$93,047

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Crystal Rylicki	President	40	Key Emp Highest	$93,047	$0	$93,047
Wayne Anderson	Director	1	Officer	$0	$0	$0
David Quast	Secretary	1	Officer	$0	$0	$0
Arthur Doherty	Director	1	Officer	$0	$0	$0
Roger Tatge	Director	1	Officer	$0	$0	$0
Karen Aguirre	Director	1	Officer	$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	$652,578	$512,407	$11,765,765	$140,171
2024	$583,696	$541,843	$11,568,144	$41,853
2023	$480,209	$433,962	$11,939,728	$46,247
2022	$433,297	$381,734	$10,684,515	$51,563
2021	$420,175	$338,949	$11,374,639	$81,226
2020	$420,982	$399,424	$10,601,945	$21,558