AEGIS CREDIT UNION (EIN 421139901) - 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

1979

Legal Domicile

Principal Officer

CASEY NEWMARCH

Phone

5632420531

Tax Period

2025-01-01 to 2025-12-31

AEGIS CREDIT UNION, founded in 1979, is a community nonprofit in the Public & Societal Benefit sector that reported $2.0M in total revenue in fiscal year 2025. The organization ran a surplus of $529K, a strong 27% operating margin.

Mission

CREDIT UNIONS CREATE A SOURCE OF CREDIT AF A FAIR AND REASONABLE RATE OF INTEREST, ENCOURAGE HABITS OF THRIFT AMONG THEIR MEMBERS, AND PROVIDE AN OPPORTUNITY FOR THEIR MEMBERS TO USE AND CONTROL THEIR OWN MONEY ON A DEMOCRATIC BASIS IS ORDER TO IMPROVE THEIR ECONOMIC AND SOCIAL CONDITION.

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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 $1,213,388

Investment Income $364,736

Other Revenue $412,455

TOTAL REVENUE $1,990,579

Expense Breakdown

Grants Paid $0

Salaries & Benefits $601,591

Fundraising Expenses $0

Program Expenses $1,461,827

Other Expenses $860,236

TOTAL EXPENSES $1,461,827

Year-over-Year Comparison

	2025	2024	Change
Revenue	$1,990,579	$1,867,748	+0.1%
Expenses	$1,461,827	$1,417,993	+0.0%
Net Income	$528,752	$449,755	+0.2%

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JOY DRURY	DIRECTOR	N/A	Director	$0	$0	$0
KATIE FLOOD	DIRECTOR	N/A	Director	$0	$0	$0
NICOLLETTE HOLLOWAY	SECRETARY	N/A	Officer Director	$0	$0	$0
JOSH JACOBSEN	CHAIR	N/A	Officer Director	$0	$0	$0
RYAN KNIGHT	VICE CHAIR	N/A	Officer Director	$0	$0	$0
KIM MATJE	DIRECTOR	N/A	Director	$0	$0	$0
CASEY NEWMARCH	PRESIDENT	N/A	Officer Director	$0	$0	$0
MICHELLE PESKA	DIRECTOR	N/A	Director	$0	$0	$0
JEREMY PETERS	DIRECTOR	N/A	Director	$0	$0	$0
TWYLA VEGTER	DIRECTOR	N/A	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	$1,990,579	$1,461,827	$26,211,251	$528,752
2024	$1,867,748	$1,417,993	$26,081,815	$449,755

AEGIS CREDIT UNION