ADVANTAGE CREDIT UNION (EIN 420670996) - 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

1937

Legal Domicile

Principal Officer

LESLIE BRICKMAN

Phone

6417925660

Tax Period

2025-01-01 to 2025-12-31

ADVANTAGE CREDIT UNION, founded in 1937, is a community nonprofit that reported $7.9M in total revenue in fiscal year 2025. Revenue decreased 9% compared to the prior year. The organization ran a surplus of $2.0M, a strong 25% operating margin.

Mission

ADVANTAGE CREDIT UNION WILL CONTINUE TO MEET THE NEEDS OF THOSE WITHIN THEIR FIELD OF MEMBERSHIP AND STRIVE TOWARD CREATING NEW RELATIONSHIPS BY PROMOTING THRIFT, PROVIDING CREDIT AT REASONALBLE RATES AND PROVIDING OTHER FINANCIAL SERVICES.

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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 $5,407,141

Investment Income $1,239,859

Other Revenue $1,278,028

TOTAL REVENUE $7,925,028

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,595,303

Fundraising Expenses $0

Program Expenses $5,923,019

Other Expenses $4,327,716

TOTAL EXPENSES $5,923,019

Year-over-Year Comparison

	2025	2024	Change
Revenue	$7,925,028	$8,755,539	-0.1%
Expenses	$5,923,019	$10,692,035	-0.4%
Net Income	$2,002,009	$-1,936,496	-2.0%

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

$393,449

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
KIM CLARK	CHAIRPERSON	0.50	Officer Director	$0	$0	$0
JOEL BUCKLIN	VICE CHAIRPERSON	0.20	Officer Director	$0	$0	$0
CLINT GOTTA	BOARD CFO	0.20	Officer Director	$0	$0	$0
HOLLIE VANWYK	SECRETARY	0.20	Officer Director	$0	$0	$0
JANE ODLAND	DIRECTOR	0.20	Director	$0	$0	$0
JENNI PATTY	DIRECTOR	0.20	Director	$0	$0	$0
MONICA RAE	DIRECTOR	0.20	Director	$0	$0	$0
TIM SAUNDERS	DIRECTOR	0.20	Director	$0	$0	$0
MICHELLE MODLIN	DIRECTOR	0.20	Director	$0	$0	$0
LESLIE BRICKMAN	CEO	40.00	Officer	$147,628	$28,105	$175,733
JENNIFER TIMMINS	COO	40.00	Officer	$101,109	$24,328	$125,437
LECIA DOWNS	ACCOUNTING VP	40.00	Officer	$77,736	$14,543	$92,279

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	$7,925,028	$5,923,019	$103,675,172	$2,002,009
2024	$8,755,539	$10,692,035	$102,785,168	$-1,936,496
2023	$8,410,932	$7,590,131	$129,030,724	$820,801
2022	$5,005,661	$4,642,527	$105,606,884	$363,134
2021	$4,085,480	$2,714,461	$99,467,891	$1,371,019
2020	$3,756,826	$4,134,832	$86,828,134	$-378,006
2019	$3,554,906	$2,658,291	$72,124,922	$896,615
2018	$3,337,169	$2,478,914	$70,089,890	$858,255

ADVANTAGE CREDIT UNION