FRONTIER COMMUNITY CREDIT UNION

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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

MICHAEL AUGUSTINE

Phone

9136516575

Tax Period

2025-01-01 to 2025-12-31

FRONTIER COMMUNITY CREDIT UNION, founded in 1954, is a mid-sized nonprofit that reported $15.1M in total revenue in fiscal year 2025. Expenses of $14.4M left a modest 5% surplus.

Mission

AS A MEMBER OWNED FINANCIAL COOPERATIVE, OUR MISSION IS: TO PROVIDE FINANCIAL PRODUCTS AND SERVICES IN A PROFESSIONAL, FRIENDLY, AND CONVENIENT ATMOSPHERE THROUGH INNOVATION, TECHNOLOGY, AND COST EFFECTIVE PRODUCTS. TO ENCOURAGE AND EDUCATE OUR MEMBERS IN METHODS TO MANAGE AND CONTROL THEIR FINANCIAL WELL BEING. TO APPLY SAFE AND SOUND FINANCIAL MANAGEMENT POLICIES TO ENSURE THE CREDIT UNION'S CONTINUED GROWTH, BY MAINTAINING ADEQUATE OPERATING CONTROLS, CAPITAL RESERVES, AND LIQUIDITY AT ALL TIMES.

Program Service Accomplishments

Program 1

PROVIDES FINANCIAL AND FINANCIALLY RELATED SERVICES TO 18,306 MEMBERS.

Program 2

PROVIDES A SOURCE OF CREDIT TO MEMBERS AT A FAIR AND REASONABLE RATE OF INTEREST. AS OF DECEMBER 31, 2025, THERE WERE 11,151 LOANS OUTSTANDING TOTALING $154,467,642.

Program 3

PAID DIVIDENDS AND INTEREST ON DEPOSITS TOTALING $3,355,795 FOR THE YEAR.

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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 $1,500

Program Service Revenue $14,558,383

Investment Income $522,746

Other Revenue $29,268

TOTAL REVENUE $15,111,897

Expense Breakdown

Grants Paid $59,767

Salaries & Benefits $4,091,298

Fundraising Expenses $0

Other Expenses $10,250,848

TOTAL EXPENSES $14,401,913

Year-over-Year Comparison

	2025	2024	Change
Revenue	$15,111,897	$14,398,204	+0.0%
Expenses	$14,401,913	$15,068,673	0.0%
Net Income	$709,984	$-670,469	-2.1%

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

$543,638

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
WILLIAM HEINEN	DIRECTOR	1.00	Director	$0	$0	$0
DONALD HOMAN	SECRETARY/TREASURER	1.00	Director	$0	$0	$0
CURTIS GILFERT	VICE-CHAIRMAN	1.00	Director	$0	$0	$0
JEFF PORTER	CHAIRMAN	1.00	Director	$0	$0	$0
DAVID NESTER	DIRECTOR	1.00	Director	$0	$0	$0
RITA KOWALEWSKI	DIRECTOR	1.00	Director	$0	$0	$0
MICHAEL AUGUSTINE	PRESIDENT/CEO	40.00	Officer	$201,750	$14,989	$216,739
DARRIN DEPRIEST	EVP - CHIEF LENDING OFFICE	40.00	Officer	$163,824	$8,331	$172,155
ALEX ZIMMERMAN	CHIEF FINANCIAL OFFICER	40.00	Officer	$134,247	$6,975	$141,222
KATHRYN STONE MCMILLER	CHIEF ADMINISTRATIVE OFFIC	40.00	Officer	$0	$13,522	$13,522

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	$15,111,897	$14,401,913	$204,632,100	$709,984
2024	$14,398,204	$15,068,673	$200,933,366	$-670,469
2023	$11,877,062	$12,523,760	$209,223,552	$-646,698
2022	$9,882,689	$9,293,801	$189,315,193	$588,888
2021	$9,258,692	$8,133,954	$177,390,013	$1,124,738
2020	$8,706,131	$8,678,369	$159,317,595	$27,762
2019	$8,424,319	$8,142,876	$147,451,567	$281,443
2018	$7,536,931	$6,834,402	$145,582,615	$702,529