MERIDIAN CREDIT UNION (EIN 426067162) - 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

1952

Legal Domicile

Phone

6416844207

Tax Period

2025-01-01 to 2025-12-31

MERIDIAN CREDIT UNION, founded in 1952, is a community nonprofit that reported $1.6M in total revenue in fiscal year 2025. The organization ran a surplus of $254K, a strong 16% operating margin.

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 $991,051

Investment Income $617,696

Other Revenue $0

TOTAL REVENUE $1,608,747

Expense Breakdown

Grants Paid $0

Salaries & Benefits $403,733

Fundraising Expenses $0

Other Expenses $951,117

TOTAL EXPENSES $1,354,850

Year-over-Year Comparison

	2025	2024	Change
Revenue	$1,608,747	$1,517,322	+0.1%
Expenses	$1,354,850	$1,202,481	+0.1%
Net Income	$253,897	$314,841	-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

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
JOSH HALL	CEO	50.00		$125,000	$0	$125,000
STEVE ALLISON	Director	1.00	Director	$0	$0	$0
BRIAN CUTSFORTH	Director	1.00	Director	$0	$0	$0
JULIE LAWRENCE	Director	1.00	Director	$0	$0	$0
JULIE SCHUCK	Director	1.00	Director	$0	$0	$0
SU BROWN	Director	1.00	Director	$0	$0	$0
DAN DOWLING	Director	1.00	Director	$0	$0	$0
BRETT FISCHELS	Director	1.00	Director	$0	$0	$0
LYNNETTE GREEN	Director	1.00	Director	$0	$0	$0
AIMEE WELLS	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	$1,608,747	$1,354,850	$33,724,510	$253,897
2024	$1,517,322	$1,202,481	$34,302,969	$314,841
2023	$1,338,561	$1,005,074	$33,580,808	$333,487
2022	$934,713	$846,161	$34,586,188	$88,552
2021	$865,649	$943,781	$34,501,149	$-78,132
2020	$984,400	$887,804	$31,343,344	$96,596
2019	$1,093,378	$847,979	$26,716,049	$245,399
2018	$1,032,094	$902,874	$26,832,460	$129,220

MERIDIAN CREDIT UNION