UNITE CREDIT UNION

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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

1955

Legal Domicile

Principal Officer

MIGUEL REYES

Phone

3192732479

Tax Period

2025-01-01 to 2025-12-31

UNITE CREDIT UNION, founded in 1955, is a community nonprofit that reported $1.4M in total revenue in fiscal year 2025. Revenue surged 23% from the prior year, signaling strong growth momentum. Expenses of $1.3M left a modest 7% surplus.

Mission

TO PROVIDE LENDING, SAVINGS AND OTHER FINANCIAL SERVICES TO ITS QUALIFYING MEMBERS AT TERMS GENERALLY BETTER THAN AVAILABLE IN THE MARKET PLACE AND WITH A "SERVICE BASED EMPHASIS" THAT RECOGNIZES THE MEMBERS' STATUS AS "OWNER."

Program Service Accomplishments

Program 1

Expenses: $1,257,744 Revenue: $1,073,891

CREDIT UNIONS CREATE A SOURCE OF CREDIT AT 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...

CREDIT UNIONS CREATE A SOURCE OF CREDIT AT 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 IN ORDER TO IMPROVE THEIR ENONOMIC AND SOCIAL CONDITION. IN 2025, UNITE CREDIT UNION SERVED 1,572 MEMBERS.

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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 $709,349

Investment Income $557,582

Other Revenue $90,781

TOTAL REVENUE $1,357,712

Expense Breakdown

Grants Paid $0

Salaries & Benefits $343,887

Fundraising Expenses $0

Program Expenses $1,257,744

Other Expenses $913,857

TOTAL EXPENSES $1,257,744

Year-over-Year Comparison

	2025	2024	Change
Revenue	$1,357,712	$1,107,346	+0.2%
Expenses	$1,257,744	$1,112,033	+0.1%
Net Income	$99,968	$-4,687	-22.3%

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

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

$85,235

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
GAYLE POHL	BOARD CHAIRMAN	1.00	Officer Director	$0	$0	$0
MELISSA BEALL	VICE CHAIRMAN	1.00	Officer Director	$0	$0	$0
ANDREW SHELTON	SECRETARY	1.00	Officer Director	$0	$0	$0
DOUGLAS JOHNSON	BOARD MEMBER, CFO	0.10	Director	$0	$0	$0
WILFRED JOHNSON	BOARD MEMBER	0.10	Director	$0	$0	$0
VALORIE PRAHL	BOARD MEMBER	0.10	Director	$0	$0	$0
JEFFREY BRAND	BOARD MEMBER	0.10	Director	$0	$0	$0
WALTER BURTIS	BOARD MEMBER	0.10	Director	$0	$0	$0
ANDREW SHELTON	BOARD MEMBER	0.10	Director	$0	$0	$0
MIGUEL REYES	CEO/MANAGER	40.00	Officer	$78,934	$6,301	$85,235

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	$1,357,712	$1,257,744	$22,729,638	$99,968
2024	$1,107,346	$1,112,033	$21,604,580	$-4,687
2023	$899,556	$1,003,065	$22,807,209	$-103,509
2022	$604,303	$891,951	$23,639,778	$-287,648
2021	$598,032	$853,702	$25,024,410	$-255,670
2020	$767,570	$710,900	$24,486,123	$56,670
2019	$862,064	$791,087	$21,677,861	$70,977