PREMIER CREDIT UNION (EIN 420127275) - 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

1933

Legal Domicile

Principal Officer

MEGAN TJERNAGEL

Phone

5152821611

Tax Period

2025-01-01 to 2025-12-31

PREMIER CREDIT UNION, founded in 1933, is a mid-sized nonprofit that reported $22.4M in total revenue in fiscal year 2025. Revenue grew 13% year-over-year, indicating healthy expansion. Expenses of $20.4M left a modest 9% surplus.

Mission

STATE CHARTERED 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%)

Financial Overview (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $21,345,800

Investment Income $1,060,573

Other Revenue $0

TOTAL REVENUE $22,406,373

Expense Breakdown

Grants Paid $0

Salaries & Benefits $5,091,740

Fundraising Expenses $0

Other Expenses $15,330,336

TOTAL EXPENSES $20,422,076

Year-over-Year Comparison

	2025	2024	Change
Revenue	$22,406,373	$19,860,602	+0.1%
Expenses	$20,422,076	$18,256,588	+0.1%
Net Income	$1,984,297	$1,604,014	+0.2%

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

101

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

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MEGAN TJERNAGEL	CEO	45.00		$318,629	$0	$318,629
MARK PIPER	MORT LOAN OFF	45.00		$230,784	$0	$230,784
JILL MATHEW	EVP	45.00		$215,981	$0	$215,981
KRISTEN MOORE	CMO	45.00		$142,300	$0	$142,300
ANDY HAPP	CLO	45.00		$139,747	$0	$139,747
DIANE FUTER	CFO - PCU	45.00		$129,276	$0	$129,276
SAM RIZZUTI	CFO - PLA	45.00		$124,324	$0	$124,324
BROOKE AVILA	Director	3.00	Director	$0	$0	$0
TODD MENDENHALL	Director	3.00	Director	$0	$0	$0
ANDY YOUNG	Director	3.00	Director	$0	$0	$0
DARIN ZAHN	Director	3.00	Director	$0	$0	$0
DEANNA BENNIGSDORF	Director	3.00	Director	$0	$0	$0
JESSE BAWEK	Director	3.00	Director	$0	$0	$0
JEM GONG-BROWNE	Director	3.00	Director	$0	$0	$0
ROGER KLUESNER	Director	3.00	Director	$0	$0	$0
MIKE HAMM	Director	3.00	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	$22,406,373	$20,422,076	$374,375,673	$1,984,297
2024	$19,860,602	$18,256,588	$338,698,349	$1,604,014
2023	$16,355,525	$15,280,964	$302,782,106	$1,074,561
2022	$12,588,447	$10,104,713	$287,063,539	$2,483,734
2021	$11,141,334	$9,293,239	$265,180,790	$1,848,095
2020	$11,097,567	$9,641,716	$257,857,430	$1,455,851
2019	$10,751,986	$9,724,110	$208,301,902	$1,027,876
2018	$9,815,537	$8,511,598	$196,578,672	$1,303,939

PREMIER CREDIT UNION