NISHNA VALLEY CREDIT UNION (EIN 420844194) - 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

1957

Legal Domicile

Principal Officer

TIM MARCSISAK

Phone

6416845448

Tax Period

2021-01-01 to 2021-12-31

NISHNA VALLEY CREDIT UNION, founded in 1957, is a small nonprofit that reported $774K in total revenue in fiscal year 2021. Revenue fell 37% from the prior year — a significant decline worth monitoring. Expenses of $1.4M exceeded revenue, resulting in a 77% operating deficit.

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 (2021)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $634,287

Investment Income $139,493

Other Revenue $0

TOTAL REVENUE $773,780

Expense Breakdown

Grants Paid $0

Salaries & Benefits $443,449

Fundraising Expenses $0

Other Expenses $925,800

TOTAL EXPENSES $1,369,249

Year-over-Year Comparison

	2021	2020	Change
Revenue	$773,780	$1,237,457	-0.4%
Expenses	$1,369,249	$1,184,969	+0.2%
Net Income	$-595,469	$52,488	-12.3%

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

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
JOYCE ANDERSON	BOARD MEMBER	1.00	Director	$0	$0	$0
JULIE GADE	BOARD MEMBER	1.00	Director	$0	$0	$0
JEAN GREGERSEN	BOARD MEMBER	1.00	Director	$0	$0	$0
SHIRLEY JENSEN	BOARD MEMBER	1.00	Director	$0	$0	$0
CHERYL KAMIES	BOARD MEMBER	1.00	Director	$0	$0	$0
JEFF LOWARY	BOARD MEMBER	1.00	Director	$0	$0	$0
LINDA MAREK	BOARD MEMBER	1.00	Director	$0	$0	$0
JEFF NELSON	BOARD MEMBER	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
2021	$773,780	$1,369,249	No data	$-595,469
2020	$1,237,457	$1,184,969	$40,788,131	$52,488
2019	$1,488,298	$1,395,953	$33,758,410	$92,345
2018	$1,502,218	$1,408,529	$33,826,615	$93,689

NISHNA VALLEY CREDIT UNION