EMPOWER BLUE 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

1953

Legal Domicile

Principal Officer

PETE DIDIO

Phone

7852918774

Tax Period

2025-01-01 to 2025-12-31

EMPOWER BLUE CREDIT UNION, founded in 1953, is a community nonprofit in the Public & Societal Benefit sector that reported $2.8M in total revenue in fiscal year 2025. Expenses of $2.5M left a modest 13% surplus.

Mission

OUR MISSION IS TO ENHANCE MEMBERS FINANCIAL WELLNESS BY PROVIDING EXCEPTIONAL PRODUCTS AND SERVICES.

Program Service Accomplishments

Program 1

PROVIDES FINANCIAL AND FINANCIALLY RELATED SERVICES TO 3,448 MEMBERS.

Program 2

PROVIDES A SOURCE OF CREDIT TO MEMBERS AT FAIR AND REASONABLE RATES OF INTEREST. AS OF DECEMBER 31, 2025, THERE WERE 1,960 LOANS OUTSTANDING TOTALING $28,833,278.

Program 3

PAID DIVIDENDS ON MEMBER DEPOSITS TOTALING $782,882 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 $0

Program Service Revenue $2,066,057

Investment Income $765,231

Other Revenue $171

TOTAL REVENUE $2,831,459

Expense Breakdown

Grants Paid $2,000

Salaries & Benefits $99,978

Fundraising Expenses $0

Other Expenses $2,375,417

TOTAL EXPENSES $2,477,395

Year-over-Year Comparison

	2025	2024	Change
Revenue	$2,831,459	$2,676,470	+0.1%
Expenses	$2,477,395	$2,256,059	+0.1%
Net Income	$354,064	$420,411	-0.2%

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
TISH HERMANN	CHAIRMAN	1.00	Officer Director	$0	$0	$0
RANDALL LAMBRECHT	VICE CHAIRMAN	1.00	Officer Director	$0	$0	$0
PETE DIDIO	TREASURER	1.00	Officer Director	$0	$0	$0
DONNA PASHMAN	BOARD MEMBER	1.00	Director	$0	$0	$0
GARY MALSBURY	BOARD MEMBER	1.00	Director	$0	$0	$0
CHERYL REYNOLDS	SECRETARY	1.00	Director	$0	$0	$0
KIM DALEY	BOARD MEMBER	1.00	Director	$0	$0	$0
STACEY WATKINS	MANAGER/CEO	40.00	Officer	$0	$0	$0

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	$2,831,459	$2,477,395	$53,664,179	$354,064
2024	$2,676,470	$2,256,059	$53,465,842	$420,411
2023	$2,233,868	$1,784,002	$52,316,064	$449,866
2022	$1,911,231	$1,538,722	$54,994,050	$372,509
2021	$1,846,798	$1,385,335	$53,754,481	$461,463
2020	$1,861,683	$1,371,683	$46,980,259	$490,000
2019	$1,882,743	$1,330,546	$40,287,843	$552,197
2018	$1,733,796	$1,228,006	$39,678,133	$505,790