QUANTUM CREDIT UNION (EIN 480446490) - 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

1938

Legal Domicile

Principal Officer

JACOB BURROW

Phone

3162635756

Tax Period

2025-01-01 to 2025-12-31

QUANTUM CREDIT UNION, founded in 1938, is a community nonprofit that reported $9.8M in total revenue in fiscal year 2025. Expenses of $8.8M left a modest 10% surplus.

Mission

PROVIDE FINANCIAL SERVICES FOR MUTUAL PURPOSES

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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 $9,117,025

Investment Income $670,617

Other Revenue $31,051

TOTAL REVENUE $9,818,693

Expense Breakdown

Grants Paid $0

Salaries & Benefits $2,961,976

Fundraising Expenses $0

Program Expenses $8,806,645

Other Expenses $5,844,669

TOTAL EXPENSES $8,806,645

Year-over-Year Comparison

	2025	2024	Change
Revenue	$9,818,693	$9,479,203	+0.0%
Expenses	$8,806,645	$9,221,802	0.0%
Net Income	$1,012,048	$257,401	+2.9%

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

N/A

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

$481,150

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
TONY PEARCE	DIRECTOR	2.00	Director	$0	$0	$0
SHAWN BERLIN	VICE CHAIRMAN	2.00	Officer Director	$0	$0	$0
DAN HORINE	CHAIRMAN	2.00	Officer Director	$0	$0	$0
BRYAN CHAPMAN	DIRECTOR	2.00	Director	$0	$0	$0
STACEY HALL	SECRETARY/TREASURER	2.00	Officer Director	$0	$0	$0
KYLE ENGELS	DIRECTOR	2.00	Director	$0	$0	$0
ZACH STRACK	DIRECTOR	2.00	Director	$0	$0	$0
GARY HEIDRICK	DIRECTOR	2.00	Director	$0	$0	$0
CHUCK BULLOCK	PAST PRESIDENT	40.00	Officer	$300,194	$24,162	$324,356
JACOB BURROW	PRESIDENT	40.00	Officer	$136,733	$20,061	$156,794
MICHELE LARKEY	VICE PRESIDENT	40.00	Highest	$104,587	$29,832	$134,419
KIMBERLY BAHRE	VICE PRESIDENT	40.00	Highest	$110,135	$27,649	$137,784
MELISSA GARCIA	MEMBER SOLUTIONS MANAGER	40.00	Highest	$107,577	$14,462	$122,039

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	$9,818,693	$8,806,645	$136,603,575	$1,012,048
2023	$8,624,462	$7,910,622	$151,820,400	$713,840
2022	$6,935,592	$6,067,330	$149,829,364	$868,262
2021	$4,777,554	$4,366,824	$95,635,315	$410,730
2020	$4,858,649	$4,485,211	$93,368,634	$373,438
2019	$5,217,110	$4,549,435	$83,562,152	$667,675
2018	$5,488,077	$5,146,022	$79,881,943	$342,055

QUANTUM CREDIT UNION