THE WRIGHT CREDIT UNION (EIN 586040949) - 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

1963

Legal Domicile

Principal Officer

ALAINA LACOUNT

Phone

7068862908

Tax Period

2025-01-01 to 2025-12-31

THE WRIGHT CREDIT UNION, founded in 1963, is a community nonprofit that reported $1.2M in total revenue in fiscal year 2025. Expenses of $1.1M left a modest 8% surplus.

Mission

CREDIT UNION - TO PROVIDE FINANCIAL SERVICES FOR ITS MEMBERS.

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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 $978,382

Investment Income $172,327

Other Revenue $59,023

TOTAL REVENUE $1,209,732

Expense Breakdown

Grants Paid $0

Salaries & Benefits $437,070

Fundraising Expenses $0

Program Expenses $1,112,051

Other Expenses $674,981

TOTAL EXPENSES $1,112,051

Year-over-Year Comparison

	2025	2024	Change
Revenue	$1,209,732	$1,189,308	+0.0%
Expenses	$1,112,051	$1,164,526	0.0%
Net Income	$97,681	$24,782	+2.9%

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

$77,151

Total Directors

$77,151

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ALAINA LACOUNT	MANAGER/TREA	40.00	Officer Director	$71,510	$5,641	$77,151
JOSH ADDISON	DIRECTOR	1.00	Director	$0	$0	$0
LINDY GRAFTON	BOARD SECRET	1.00	Director	$0	$0	$0
MARK RICHARDSON	BOARD PRESID	1.00	Director	$0	$0	$0
TYLER TAYLOR	BOD VP/AUDIT	1.00	Director	$0	$0	$0
LARRY WIESE	DIRECTOR	1.00	Director	$0	$0	$0
LEXIE WOODY	DIRECTOR	1.00	Director	$0	$0	$0
KELCIE GILMAN	ASSOCIATE DI	1.00	Officer	$0	$0	$0
HAYDEN KELLEY	ASSOCIATE DI	1.00	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	$1,209,732	$1,112,051	$16,146,856	$97,681
2024	$1,189,308	$1,164,526	$16,434,229	$24,782
2023	$1,100,520	$745,707	$16,554,376	$354,813
2022	$852,328	$654,841	$16,307,584	$197,487
2021	$673,315	$513,990	$16,048,564	$159,325
2020	$573,970	$494,128	$14,250,838	$79,842

THE WRIGHT CREDIT UNION