UNITED CREDIT UNION (EIN 430300770) - 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

1935

Legal Domicile

Principal Officer

BRENT SADLER

Phone

5735818651

Tax Period

2023-01-01 to 2023-12-31

UNITED CREDIT UNION, founded in 1935, is a mid-sized nonprofit that reported $20.8M in total revenue in fiscal year 2023. Revenue grew 18% year-over-year, indicating healthy expansion. The organization ran a surplus of $5.3M, a strong 25% operating margin.

Mission

BUILDING FINANCIAL SUCCESS ONE MEMBER AT A TIME

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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 (2023)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $20,267,182

Investment Income $528,011

Other Revenue $26,888

TOTAL REVENUE $20,822,081

Expense Breakdown

Grants Paid $9,000

Salaries & Benefits $6,603,822

Fundraising Expenses $0

Other Expenses $8,911,677

TOTAL EXPENSES $15,524,499

Year-over-Year Comparison

	2023	2022	Change
Revenue	$20,822,081	$17,693,653	+0.2%
Expenses	$15,524,499	$14,095,054	+0.1%
Net Income	$5,297,582	$3,598,599	+0.5%

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

131

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

$1,327,048

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JO ELLEN CRAGHEAD	CHAIRPERSON	1.00	Director	$0	$0	$0
WILLIAM KEVIN WENZEL	VICE CHAIRPERSON	1.00	Director	$0	$0	$0
CHRISTOPHER DENHAM	SECRETARY	1.00	Director	$0	$0	$0
PATRICK DONOVAN	TREASURER	1.00	Director	$0	$0	$0
JEFFREY TAYON	DIRECTOR	1.00	Director	$0	$0	$0
CHARLES ROACH	DIRECTOR	1.00	Director	$0	$0	$0
KHESHA DUNCAN	DIRECTOR	1.00	Director	$0	$0	$0
MARTHA HAGAN	DIRECTOR	1.00	Director	$0	$0	$0
CHERYL LYBERGER	DIRECTOR	1.00	Director	$0	$0	$0
BRENT SADLER	CEO	40.00	Officer	$342,866	$29,095	$371,961
DONNA EVANS	EVP	40.00	Officer	$194,925	$38,608	$233,533
KIMBERLEY RIFFE	CFO	40.00	Officer	$137,474	$23,310	$160,784
KELLY ANCELL	VP-HUMAN RESOURCES	40.00	Officer	$101,438	$18,820	$120,258
HEATHER DEMINT	VP-OPERATIONS	40.00	Officer	$105,326	$11,275	$116,601
MELISA AHRENSRETIRED 9623	VP-ADMINISTRATIVE SUPPORT	40.00	Officer	$73,790	$11,465	$85,255
TORY SILVER	VP-LENDING	40.00	Officer	$90,086	$22,321	$112,407
KRISTEN KRIETEMEYER	VP-COMPLIANCE	40.00	Officer	$96,219	$30,030	$126,249
ANGEL JACOBI	AVP-MEMBER EXPERIENCE	40.00	Highest	$105,896	$19,513	$125,409

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
2024	No data	No data	No data	No data
2023	$20,822,081	$15,524,499	$273,033,027	$5,297,582
2022	$17,693,653	$14,095,054	$280,163,882	$3,598,599
2021	$14,999,613	$12,056,345	$263,887,236	$2,943,268
2020	$13,451,320	$11,235,479	$223,503,665	$2,215,841
2019	$13,244,855	$10,460,645	$182,226,108	$2,784,210
2018	$12,549,316	$9,842,632	$170,405,925	$2,706,684

UNITED CREDIT UNION