AB&W CREDIT UNION INC

EIN: 540634598

ALEXANDRIA, VA

Total Revenue
$1,877,119
Total Expenses
$1,995,008
Total Assets
$27,601,127
Net Assets
$4,641,577
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Tuckman-Chang Vulnerability Assessment

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Financial Trends

Organization Details

Formation Year
1952
Legal Domicile
VA
Principal Officer
RON RYDSTROM
Phone
7037687000
Tax Period
2019-01-01 to 2019-12-31

AB&W CREDIT UNION INC, founded in 1952, is a community nonprofit that reported $1.9M in total revenue in fiscal year 2018. Expenses of $2.3M exceeded revenue, resulting in a 16% operating deficit.

Mission

STATE CHARTER CREDIT UNION PROVIDING FINANCIAL SERVICES TO MEMBERS.

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Trantor Score

Financial Health & Payment Capacity Assessment (FICO Scale: 300–850)

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

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Financial Overview (2019)

Revenue Breakdown

Contributions & Grants $0
Program Service Revenue $1,595,593
Investment Income $220,738
Other Revenue $60,788
TOTAL REVENUE $1,877,119

Expense Breakdown

Grants Paid $0
Salaries & Benefits $667,550
Fundraising Expenses $0
Other Expenses $1,327,458
TOTAL EXPENSES $1,995,008

Year-over-Year Comparison

2019 2018 Change
Revenue $1,877,119 $1,945,014 0.0%
Expenses $1,995,008 $2,262,064 -0.1%
Net Income $-117,889 $-317,050 -0.6%
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

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Financial Distress Indicator

Liquidity & Cash Position

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Governance

Voting Members
5
Independent Members
5
Employees
9
Volunteers
8

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
4
$0
Total Directors
5
$0
Key Employees
0
$0
Highest Compensated
0
reported
Name Title Hours/Week Role Reportable Comp Other Comp Total
TONI BAILEY TREASURER 1.00
Officer Director
$0 $0 $0
CHARLES FISHER MEMBER 1.00
Director
$0 $0 $0
FREDDIE JAMES VICE CHAIRMA 1.00
Officer Director
$0 $0 $0
JOHNNIE JOHNSON JR SECRETARY 1.00
Officer Director
$0 $0 $0
RON RYDSTROM CHAIRMAN 1.00
Officer Director
$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
2019 $1,877,119 $1,995,008 $27,601,127 $-117,889
2018 $1,945,014 $2,262,064 $30,873,713 $-317,050
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