CENTRICITY CREDIT UNION (EIN 410788273) - Form 990 Financial Analysis & Trantor Score

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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

1943

Legal Domicile

Principal Officer

DOUGLAS RALSTON

Phone

2187402278

Tax Period

2025-01-01 to 2025-12-31

CENTRICITY CREDIT UNION, founded in 1943, is a mid-sized nonprofit that reported $23.6M in total revenue in fiscal year 2025. Revenue surged 37% from the prior year, signaling strong growth momentum. The organization ran a surplus of $4.7M, a strong 20% operating margin.

Mission

THE PRINCIPLES AND BELIEFS GUIDING OUR CREDIT UNION AS WE PURSUE OUR PURPOSE TO FOCUS ON CREATING AND BUILDING REAL RELATIONSHIPS, EXCEEDING EXPECTATIONS, ENCOURAGE AND EDUCATE MEMBERS ON THE USE OF TECHNOLOGY AND UNDERSTANDING AND SERVING THE FINANCIAL NEEDS OF OUR MEMBERS AND WORK TO PROVIDE SOLUTIONS WHEN LIFE HAPPENS.

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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 $21,748,529

Investment Income $1,801,539

Other Revenue $2,000

TOTAL REVENUE $23,552,068

Expense Breakdown

Grants Paid $10,000

Salaries & Benefits $7,010,852

Fundraising Expenses $0

Other Expenses $9,118,720

TOTAL EXPENSES $18,836,405

Year-over-Year Comparison

	2025	2024	Change
Revenue	$23,552,068	$17,136,710	+0.4%
Expenses	$18,836,405	$13,426,580	+0.4%
Net Income	$4,715,663	$3,710,130	+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

122

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

$768,768

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MARGARET TAYLOR	CHAIRPERSON	2.00	Officer Director	$0	$0	$0
MARK THORSTEN	VICE CHAIRPERSON	2.00	Officer Director	$0	$0	$0
STEPHEN MORGAN	SECRETARY	2.00	Officer Director	$0	$0	$0
SCOTT CHRISTENSEN	DIRECTOR	2.00	Director	$0	$0	$0
PATRICIA HENDRICKSON	DIRECTOR	2.00	Director	$0	$0	$0
ANDREW HJELLE	DIRECTOR	2.00	Director	$0	$0	$0
GAYLE WAHNER	DIRECTOR	2.00	Director	$0	$0	$0
JOE WARD	DIRECTOR	2.00	Director	$0	$0	$0
TED PETERSON	DIRECTOR	2.00	Director	$0	$0	$0
DOUGLAS RALSTON	PRESIDENT/CEO	40.00	Officer	$382,809	$32,012	$414,821
CONSTANCE CARTER	CFO (THRU MAY 2025)	40.00	Officer	$193,981	$16,348	$210,329
JARRED BOHLIN	CFO	40.00	Officer	$135,246	$8,372	$143,618
DAVE HORAK	MERGER TRANSITION CONSULTANT	40.00	Highest	$136,421	$28,548	$164,969
CYNDY CARLSON	CHR & BUSINESS STRATEGY	40.00	Highest	$107,886	$32,310	$140,196
NATHAN TEPOEL	SVP OF LENDING	40.00	Highest	$103,561	$32,310	$135,871

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	$23,552,068	$18,836,405	$321,865,166	$4,715,663
2024	No data	No data	No data	No data
2023	$14,813,272	$12,458,670	$243,810,562	$2,354,602
2022	$11,588,464	$9,956,848	$236,873,562	$1,631,616
2021	$11,411,107	$8,795,053	$227,596,468	$2,616,054
2020	$10,321,296	$8,581,145	$196,623,078	$1,740,151
2019	$9,810,552	$7,783,365	$161,054,731	$2,027,187
2018	$8,986,041	$7,605,149	$149,402,069	$1,380,892

CENTRICITY CREDIT UNION