WHITE EAGLE CREDIT UNION

🔒

Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

Sign in with your work email to view Tuckman-Chang indicators

Financial Trends

Organization Details

Formation Year

1935

Legal Domicile

Principal Officer

ERIC BROWN

Phone

3167757591

Tax Period

2025-01-01 to 2025-12-31

WHITE EAGLE CREDIT UNION, founded in 1935, is a mid-sized nonprofit that reported $13.2M in total revenue in fiscal year 2025. Revenue surged 22% from the prior year, signaling strong growth momentum. The organization ran a surplus of $3.0M, a strong 23% operating margin.

Mission

A FINANCIAL COOPERATIVE DEDICATED TO OUTSTANDING PERSONAL SERVICE, THE LATEST TECHNOLOGY AND PRODUCTS, AND EMPOWERING MEMBERS TO IMPROVE THEIR FINANCIAL WELL-BEING.

Program Service Accomplishments

Program 1

PROVIDES FINANCIAL AND FINANCIALLY RELATED SERVICES TO 16,204 MEMBERS.

Program 2

PROVIDES A SOURCE OF CREDIT TO MEMBERS AT A FAIR AND REASONABLE RATE OF INTEREST. AS OF DECEMBER 31, 2024, THERE WERE 7,420 LOANS OUTSTANDING TOTALING $103,590,052.

Program 3

PAID DIVIDENDS ON MEMBER DEPOSITS TOTALING $3,119,484 FOR THE YEAR.

🔒

Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

Sign in to view Trantor Score and financial metrics

Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $9,933,690

Investment Income $2,840,896

Other Revenue $441,259

TOTAL REVENUE $13,215,845

Expense Breakdown

Grants Paid $36,500

Salaries & Benefits $2,988,708

Fundraising Expenses $0

Other Expenses $7,205,412

TOTAL EXPENSES $10,230,620

Year-over-Year Comparison

	2025	2024	Change
Revenue	$13,215,845	$10,802,109	+0.2%
Expenses	$10,230,620	$8,510,203	+0.2%
Net Income	$2,985,225	$2,291,906	+0.3%

Key Indicators

✗ Grants to Organizations ✓ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✗ Schedule B Required

🔒

Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

Sign in to view all financial metrics

Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

Governance

Voting Members

Independent Members

Employees

N/A

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

$496,972

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
RON REAVIS	CHAIRMAN	1.00	Director	$0	$0	$0
TIM FOLLIS	VICE CHAIRMAN	1.00	Director	$0	$0	$0
TROY NORDMAN	SECRETARY	1.00	Director	$0	$0	$0
PAT TERICK	DIRECTOR	1.00	Director	$0	$0	$0
BOBBY HUBBARD	TREASURER	1.00	Director	$0	$0	$0
JOAN REICHARDT	DIRECTOR	1.00	Director	$0	$0	$0
ROB NICKEL	DIRECTOR	1.00	Director	$0	$0	$0
JAY LEWIS	DIRECTOR	1.00	Director	$0	$0	$0
BRIANT LEWIS	DIRECTOR	1.00	Director	$0	$0	$0
JOE CANTU	DIRECTOR	1.00	Director	$0	$0	$0
SHARON SLADE	DIRECTOR	1.00	Director	$0	$0	$0
ERIC BROWN	CEO/PRESIDENT	40.00	Officer	$213,019	$76,415	$289,434
JENNIFER PAZZIE	CFO	40.00	Officer	$141,551	$65,987	$207,538

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	$13,215,845	$10,230,620	$186,350,228	$2,985,225
2024	No data	No data	No data	No data
2023	$8,887,920	$6,982,617	$143,075,943	$1,905,303
2022	$7,120,233	$5,567,979	$147,808,188	$1,552,254
2021	$6,640,710	$4,951,046	$141,201,914	$1,689,664
2020	$6,709,939	$5,680,354	$126,108,927	$1,029,585
2019	$7,027,353	$5,571,598	$109,249,455	$1,455,755
2018	$6,643,138	$5,804,217	$106,023,133	$838,921