DISTRICT ONE HIGHWAY CREDIT UNION (EIN 446014557) - 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

1954

Legal Domicile

Principal Officer

ROBIN GRAY

Phone

8163872423

Tax Period

2025-01-01 to 2025-12-31

DISTRICT ONE HIGHWAY CREDIT UNION, founded in 1954, is a community nonprofit that reported $1.0M in total revenue in fiscal year 2025. Revenue grew 10% year-over-year, indicating healthy expansion. The organization ran a surplus of $339K, a strong 33% operating margin.

Mission

TO PROVIDE HIGH QUALITY FINANCIAL SERVICES FOR OUR MEMBERS/OWNERS, ENHANCING THEIR FINANCIAL WELL-BEING WHILE MAINTAINING THE FINANCIAL STRENGTH OF THE 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 $413,187

Investment Income $625,172

Other Revenue $2,151

TOTAL REVENUE $1,040,510

Expense Breakdown

Grants Paid $0

Salaries & Benefits $240,181

Fundraising Expenses $0

Other Expenses $461,092

TOTAL EXPENSES $701,273

Year-over-Year Comparison

	2025	2024	Change
Revenue	$1,040,510	$945,040	+0.1%
Expenses	$701,273	$707,507	0.0%
Net Income	$339,237	$237,533	+0.4%

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

$111,829

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
SHAWN SKOGLUND	CHAIRMAN	1.00	Director	$0	$0	$0
J MICHAEL CLARK	VICE CHAIRMAN	1.00	Director	$0	$0	$0
JAMES L BOSLEY	BOARD MEMBER	1.00	Director	$0	$0	$0
ANDREW J SMITH	SECRETARY	1.00	Director	$0	$0	$0
JOYCE M REYNOLDS	TREASURER	1.00	Director	$0	$0	$0
ROBIN GRAY	PRESIDENT	40.00	Officer	$108,572	$3,257	$111,829

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	$1,040,510	$701,273	$30,100,268	$339,237
2024	$945,040	$707,507	$31,684,571	$237,533
2023	$761,908	$638,218	$31,909,041	$123,690
2022	$690,983	$539,695	$33,211,021	$151,288
2021	$669,788	$478,074	$32,726,493	$191,714
2020	$709,521	$466,808	$30,182,086	$242,713
2019	$776,778	$504,102	$27,552,791	$272,676
2018	$714,783	$523,526	$27,318,490	$191,257

DISTRICT ONE HIGHWAY CREDIT UNION