ENVISTA CREDIT UNION (EIN 480669498) - 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

1957

Legal Domicile

Principal Officer

RONALD D SMELTZER

Phone

7852280149

Tax Period

2022-01-01 to 2022-12-31

ENVISTA CREDIT UNION, founded in 1957, is a mid-sized nonprofit that reported $31.5M in total revenue in fiscal year 2022. Revenue grew 9% year-over-year, indicating healthy expansion. The organization ran a surplus of $4.9M, a strong 16% operating margin.

Mission

TO PROVIDE MEMBERS WITH QUALITY SERVICES TO ACHIEVE THEIR FINANCIAL GOALS.

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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 (2022)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $30,349,577

Investment Income $1,091,315

Other Revenue $63,104

TOTAL REVENUE $31,503,996

Expense Breakdown

Grants Paid $12,092

Salaries & Benefits $11,860,534

Fundraising Expenses $0

Other Expenses $14,741,369

TOTAL EXPENSES $26,613,995

Year-over-Year Comparison

	2022	2021	Change
Revenue	$31,503,996	$28,912,250	+0.1%
Expenses	$26,613,995	$24,073,574	+0.1%
Net Income	$4,890,001	$4,838,676	+0.0%

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

256

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

$926,143

Total Directors

$453,042

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DANIEL RAMSEY	CHAIRMAN	1.00	Director	$0	$0	$0
KEVIN HAN	VICE CHAIRMAN	1.00	Director	$0	$0	$0
STEPHEN LOWRY	SECRETARY	1.00	Director	$0	$0	$0
JANET STANEK	DIRECTOR	1.00	Director	$0	$0	$0
DEB HALL	DIRECTOR	1.00	Director	$0	$0	$0
JANNEY DUNCAN	DIRECTOR	1.00	Director	$0	$0	$0
RONALD D SMELTZER	PRESIDENT/CEO, TREASURER	40.00	Officer Director	$394,999	$58,043	$453,042
ELIZABETH STEFFEN	CHIEF FINANCIAL OFFICER	40.00	Officer	$429,480	$43,621	$473,101
TARA DIMICK	CHIEF BUSINESS DEVELOPMENT OFFICER	40.00	Highest	$377,973	$40,015	$417,988
ANDREA KABERLINE	CHIEF LENDING OFFICER	40.00	Highest	$359,152	$46,171	$405,323
ASHLEY ESQUIBEL	CHIEF ADMINISTRATIVE OFFICER	40.00	Highest	$336,716	$34,962	$371,678
STAN RUMFORD	VICE PRESIDENT-IT	40.00	Highest	$139,538	$19,971	$159,509
TERRY WRIGHT	VICE PRESIDENT-MORTGAGE SERVICES	40.00	Highest	$141,615	$12,186	$153,801

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
2022	$31,503,996	$26,613,995	$527,804,654	$4,890,001
2021	$28,912,250	$24,073,574	$506,447,862	$4,838,676
2020	$28,243,054	$22,791,124	$462,803,465	$5,451,930
2019	$24,934,089	$20,138,501	$396,019,190	$4,795,588
2018	$21,017,037	$16,357,462	$361,814,795	$4,659,575

ENVISTA CREDIT UNION