ARCADE 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

1952

Legal Domicile

Principal Officer

SHELLY FENDER

Phone

8282541582

Tax Period

2025-01-01 to 2025-12-31

ARCADE CREDIT UNION, founded in 1952, is a small nonprofit that reported $440K in total revenue in fiscal year 2025. The organization ran a surplus of $70K, a strong 16% operating margin.

Mission

TO MAKE LOANS AND PROVIDE SAVINGS ACCOUNTS FOR MEMBERS AT REASONABLE RATES

Program Service Accomplishments

Program 1

DURING THE YEAR, THE CREDIT UNION SERVED ITS MEMBERS BY PROVIDING LOANS AT REASONABLE RATES. IT ALSO ACCEPTED DEPOSITS AND PAID REASONABLE RATES OF INTEREST ON THOSE DEPOSITS.

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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 $297,103

Investment Income $142,888

Other Revenue $0

TOTAL REVENUE $439,991

Expense Breakdown

Grants Paid $0

Salaries & Benefits $144,075

Fundraising Expenses $0

Other Expenses $226,000

TOTAL EXPENSES $370,075

Year-over-Year Comparison

	2025	2024	Change
Revenue	$439,991	$436,746	+0.0%
Expenses	$370,075	$356,576	+0.0%
Net Income	$69,916	$80,170	-0.1%

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

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

$55,981

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
SHELLY FENDER	MANAGER/ TRE	40.00	Officer	$55,981	$0	$55,981
WILLIAM BROWN	VICE PRESIDE	N/A	Director	$0	$0	$0
VANN GIBBS	PRESIDENT	N/A	Director	$0	$0	$0
TAMI HOUSTON	BOARD MEMBER	N/A	Director	$0	$0	$0
JOHN HUGHES	SECRETARY	N/A	Director	$0	$0	$0
KAREN KELLY	BOARD MEMBER	N/A	Director	$0	$0	$0
ROBERT REYNOLDS	BOARD MEMBER	N/A	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
2025	$439,991	$370,075	$8,064,364	$69,916
2024	$436,746	$356,576	$8,211,950	$80,170
2023	$381,545	$293,131	$7,957,273	$88,414
2022	$254,248	$257,133	$7,560,900	$-2,885
2021	$220,223	$223,738	$7,602,782	$-3,515
2020	$250,134	$273,698	$7,005,230	$-23,564
2019	$290,360	$283,173	$6,932,519	$7,187
2018	$274,382	$273,547	$7,332,876	$835