ACE CREDIT UNION (EIN 420693466) - 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

1934

Legal Domicile

Principal Officer

ELLEN KAY

Phone

6414246330

Tax Period

2025-01-01 to 2025-12-31

ACE CREDIT UNION, founded in 1934, is a small nonprofit that reported $329K in total revenue in fiscal year 2025. The organization ran a surplus of $88K, a strong 27% operating margin.

Mission

THE ORGANIZATION PROVIDES FINANCIAL SERVICES TO MEMBERS - SHARE SAVINGS AND LOANS.

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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 $97,867

Investment Income $162,420

Other Revenue $68,946

TOTAL REVENUE $329,233

Expense Breakdown

Grants Paid $0

Salaries & Benefits $67,331

Fundraising Expenses $0

Program Expenses $240,831

Other Expenses $173,500

TOTAL EXPENSES $240,831

Year-over-Year Comparison

	2025	2024	Change
Revenue	$329,233	$315,386	+0.0%
Expenses	$240,831	$222,670	+0.1%
Net Income	$88,402	$92,716	0.0%

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

$64,137

Total Directors

$64,137

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ELLEN M KAY	CFO	35.00	Officer Director	$51,530	$11,854	$63,384
KATHY GROVE	CHAIRPERSON	0.25	Officer Director	$0	$0	$0
BRENT HAMILTON	VICE CHAIRPERSON	0.25	Officer Director	$0	$0	$0
LESLIE M BEHM	ASSISTANT TREASURER	0.50	Officer Director	$753	$0	$753
KAREN JOHNSON	SECRETARY	0.50	Officer Director	$0	$0	$0
CHERYL BURT	AUDIT COMMITTEE	0.50	Director	$0	$0	$0
MARJORIE STEINBERG	AUDIT CHAIR	0.75	Director	$0	$0	$0
KEVIN MUHLENBRUCH	CREDIT COMMITTEE	0.25	Director	$0	$0	$0
JULIE FOX	CREDIT CHAIR	0.25	Director	$0	$0	$0
MELISSA SWYTER	AUDIT COMMITTEE	0.25	Director	$0	$0	$0
VICTOR BEZDICEK	CREDIT COMMITTEE	0.25	Director	$0	$0	$0
RICH PATRAS	CREDIT COMMITTEE	0.25	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	$329,233	$240,831	$7,591,799	$88,402
2024	$315,386	$222,670	$7,374,362	$92,716
2023	$280,768	$184,825	$7,100,774	$95,943
2022	$158,555	$131,233	$8,012,611	$27,322
2021	$137,029	$131,628	$9,052,372	$5,401
2020	$149,966	$142,721	$8,063,469	$7,245
2019	$187,465	$152,599	$7,404,517	$34,866
2018	$192,951	$142,784	$7,775,288	$50,167

ACE CREDIT UNION