SERVE CREDIT UNION (EIN 420773825) - 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

1931

Legal Domicile

Principal Officer

JAMI WEEMS

Phone

5152432677

Tax Period

2025-01-01 to 2025-12-31

SERVE CREDIT UNION, founded in 1931, is a community nonprofit that reported $6.3M in total revenue in fiscal year 2025. The organization ran a surplus of $1.4M, a strong 22% operating margin.

Mission

GROWING TO PROVIDE EXCEPTIONAL RATES, COMPETITIVE FINANCIAL PRODUCTS, AND FRIENDLY SERVICE TO A MEMBERSHIP DEDICATED TO COMMUNITY 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 $5,354,485

Investment Income $907,213

Other Revenue $0

TOTAL REVENUE $6,261,698

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $4,881,855

TOTAL EXPENSES $4,881,855

Year-over-Year Comparison

	2025	2024	Change
Revenue	$6,261,698	$6,383,635	0.0%
Expenses	$4,881,855	$5,030,072	0.0%
Net Income	$1,379,843	$1,353,563	+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

N/A

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
DAVE NESS	Director	0.50	Director	$0	$0	$0
MIKE MORGAN	Director	0.50	Director	$0	$0	$0
GENE HAIGH	Director	0.50	Director	$0	$0	$0
ERIC HARTMAN	Director	0.50	Director	$0	$0	$0
NICHOLE BENGE	Director	0.50	Director	$0	$0	$0
MARTY TREPP	Director	0.50	Director	$0	$0	$0
DALE BRUCE	Director	0.50	Director	$0	$0	$0
NICK BROCKMAN	Director	0.50	Director	$0	$0	$0
JASON HAIGH	Director	0.50	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	$6,261,698	$4,881,855	$98,543,927	$1,379,843
2024	$6,383,635	$5,030,072	$96,897,485	$1,353,563
2023	$5,571,787	$4,606,712	$98,075,508	$965,075
2022	$4,223,581	$3,365,122	$98,485,699	$858,459
2021	$4,126,999	$3,233,771	$94,294,193	$893,228
2020	$3,934,617	$2,993,201	$86,739,221	$941,416
2019	$3,686,743	$3,060,371	$75,142,786	$626,372
2018	$3,251,113	$2,602,901	$69,268,918	$648,212

SERVE CREDIT UNION