ASCENTRA CREDIT UNION (EIN 420747751) - 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

1950

Legal Domicile

Principal Officer

LINDA ANDRY

Phone

8004265241

Tax Period

2025-01-01 to 2025-12-31

ASCENTRA CREDIT UNION, founded in 1950, is a mid-sized nonprofit that reported $42.3M in total revenue in fiscal year 2025. Revenue grew 10% year-over-year, indicating healthy expansion. Expenses of $39.3M left a modest 7% 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 $37,346,115

Investment Income $4,987,613

Other Revenue $0

TOTAL REVENUE $42,333,728

Expense Breakdown

Grants Paid $0

Salaries & Benefits $16,204,887

Fundraising Expenses $0

Other Expenses $23,103,593

TOTAL EXPENSES $39,308,480

Year-over-Year Comparison

	2025	2024	Change
Revenue	$42,333,728	$38,462,503	+0.1%
Expenses	$39,308,480	$36,127,199	+0.1%
Net Income	$3,025,248	$2,335,304	+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

215

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
LINDA ANDRY	PRESIDENT/ CEO	60.00		$634,502	$142,477	$776,979
SHELLY RIDGEWAY	CHIEF OPERATIONS OFFICER	45.00		$334,720	$100,370	$435,090
BETH GRABIN	CHIEF FINANCIAL OFFICER	45.00		$329,548	$88,982	$418,530
CHRISTIAN MARCUSSEN	CHIEF TECHNOLOGY & INFORMATION OFFI	45.00		$258,861	$95,249	$354,110
JENNIFER NAEVE	CHIEF MARKETING OF	45.00		$274,571	$69,736	$344,307
AARON CONNER	SVP OPERATIONS	45.00		$172,128	$41,983	$214,111
MATTHEW DEBISSCHOP	SVP HR & GOV'T AFF	45.00		$169,267	$41,533	$210,800
CHARLES KILBURG	VP MORTGAGE	45.00		$141,042	$26,783	$167,825
TED GALVIN	VP MEMBER BUS	45.00		$128,821	$33,169	$161,990
TOM GIBBS	Director	8.00	Director	$0	$0	$0
LARRY RIDENOUR	Director	1.00	Director	$0	$0	$0
BRETT CARTER	Director	1.00	Director	$0	$0	$0
GARY SCHOCKER	Director	1.00	Director	$0	$0	$0
TED KURT	Director	1.00	Director	$0	$0	$0
TROY SMITH	Director	1.00	Director	$0	$0	$0
BOB LEE	Director	1.00	Director	$0	$0	$0
MARY SOEDER	Director	1.00	Director	$0	$0	$0
MIKE REYES	Director	1.00	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	$42,333,728	$39,308,480	$575,183,035	$3,025,248
2024	$38,462,503	$36,127,199	$543,907,511	$2,335,304
2023	$35,365,466	$32,660,041	$534,114,802	$2,705,425
2022	$29,345,594	$27,536,971	$527,520,974	$1,808,623
2021	$27,182,453	$25,040,457	$534,049,811	$2,141,996
2020	$26,041,653	$25,159,163	$495,382,724	$882,490
2019	$27,263,133	$25,463,129	$424,287,515	$1,800,004
2018	$25,507,215	$23,484,785	$405,453,243	$2,022,430

ASCENTRA CREDIT UNION