MEMBERS 1ST CREDIT UNION (EIN 436032141) - 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

1951

Legal Domicile

Principal Officer

BRIAN EYESTONE

Phone

3144875628

Tax Period

2024-01-01 to 2024-12-31

MEMBERS 1ST CREDIT UNION, founded in 1951, is a community nonprofit that reported $3.5M in total revenue in fiscal year 2024. Revenue surged 31% from the prior year, signaling strong growth momentum. The organization ran a surplus of $652K, a strong 19% operating margin.

Mission

MEMBERS 1ST CREDIT UNION ASSISTS ITS MEMBERS THROUGH A WIDE ASSORTMENT OF PRODUCTS AND SERVICES TO MAKE SOUND FINANCIAL DECISIONS THAT LEAD TO THEIR IMPROVED WELL-BEING.

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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 (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $2,436,566

Investment Income $1,008,845

Other Revenue $6,905

TOTAL REVENUE $3,452,316

Expense Breakdown

Grants Paid $0

Salaries & Benefits $990,726

Fundraising Expenses $0

Other Expenses $1,809,413

TOTAL EXPENSES $2,800,139

Year-over-Year Comparison

	2024	2023	Change
Revenue	$3,452,316	$2,644,649	+0.3%
Expenses	$2,800,139	$2,206,657	+0.3%
Net Income	$652,177	$437,992	+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

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

$160,939

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MICHAEL LEHMAN	CHAIRMAN	1.00	Director	$0	$0	$0
COLIN MCPHERRON	VICE CHAIRMAN	1.00	Director	$0	$0	$0
JUDITH JULIUS	SECRETARY/TREASURER	1.00	Director	$0	$0	$0
KAROL COLLINS	BOARD MEMBER	1.00	Director	$0	$0	$0
CAROLYN LORENTZ	BOARD MEMBER	1.00	Director	$0	$0	$0
JERRY VINYARD	BOARD MEMBER	1.00	Director	$0	$0	$0
SHAWN YAEGER	BOARD MEMBER	1.00	Director	$0	$0	$0
BRIAN EYESTONE	PRESIDENT	48.00	Officer	$160,543	$396	$160,939

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	$3,452,316	$2,800,139	$68,913,881	$652,177
2023	$2,644,649	$2,206,657	$62,169,706	$437,992
2022	$2,134,914	$1,889,105	$65,764,659	$245,809
2021	$2,084,216	$1,818,924	$63,079,165	$265,292
2020	$2,142,947	$1,811,826	$57,082,521	$331,121
2019	$2,234,867	$1,959,051	$47,946,298	$275,816
2018	$1,955,599	$1,685,264	$44,995,937	$270,335

MEMBERS 1ST CREDIT UNION