INSIGHT CREDIT UNION (EIN 590626648) - Form 990 Financial Analysis & Trantor Score

🔒

Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

Sign in with your work email to view Tuckman-Chang indicators

Financial Trends

Organization Details

Formation Year

1935

Legal Domicile

Principal Officer

GEORGE DAVIS

Phone

4076592740

Tax Period

2025-01-01 to 2025-12-31

INSIGHT CREDIT UNION, founded in 1935, is a mid-sized nonprofit that reported $33.2M in total revenue in fiscal year 2025. Revenue decreased 10% compared to the prior year.

Mission

INSIGHT FINANCIAL CREDIT UNION IS A COOPERATIVE, NOT-FOR-PROFIT FINANCIAL INSTITUTION ORGANIZED TO PROMOTE THRIFT AND PROVIDE CREDIT TO MEMBER; AT ADVANTAGEOUS RATES OVER THOSE GENERALLY AVAILABLE FROM OTHER BANKING SOURCES.

🔒

Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

Sign in to view Trantor Score and financial metrics

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

Financial Overview (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $25,729,782

Investment Income $7,446,964

Other Revenue $0

TOTAL REVENUE $33,176,746

Expense Breakdown

Grants Paid $0

Salaries & Benefits $11,910,128

Fundraising Expenses $0

Other Expenses $21,927,332

TOTAL EXPENSES $33,837,460

Year-over-Year Comparison

	2025	2024	Change
Revenue	$33,176,746	$36,815,869	-0.1%
Expenses	$33,837,460	$33,025,125	+0.0%
Net Income	$-660,714	$3,790,744	-1.2%

Key Indicators

✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✗ Schedule B Required

🔒

Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

Sign in to view all financial metrics

Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

Governance

Voting Members

Independent Members

Employees

180

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

$251,430

Total Directors

Key Employees

$490,878

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
GEORGE DAVIS	CEO	45.00	Key Emp	$441,896	$48,982	$490,878
CARLENE L MULLIN	CFO	45.00	Officer	$213,231	$38,199	$251,430
JESSE DEAN	CRO	45.00	Highest	$188,864	$27,334	$216,198
JODI PETRALA	CLO	45.00	Highest	$179,743	$28,461	$208,204
CYNTHIA JONES	CIO	45.00	Highest	$172,604	$34,406	$207,010
DEBORAH FOLEY	CHIEF RETAIL	45.00	Highest	$170,311	$19,816	$190,127
JONATHAN PETERSON	AVP OF IT AD	45.00	Highest	$147,998	$21,004	$169,002
ROBERT BURKE	DIRECTOR	5.00	Director	$0	$0	$0
DEBORAH COLLINS	TREASURER	5.00	Director	$0	$0	$0
STEPHEN HOELTKE	DIRECTOR	5.00	Officer Director	$0	$0	$0
KAREN JOHNSON	DIRECTOR	5.00	Director	$0	$0	$0
LINDA SHORT	SECRETARY	5.00	Director	$0	$0	$0
DANIEL TATRO	VICE CHAIRMA	5.00	Director	$0	$0	$0
MARK ZICKEFOOSE	1ST CHAIRMAN	5.00	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	$33,176,746	$33,837,460	$659,248,205	$-660,714
2024	$36,815,869	$33,025,125	$685,975,667	$3,790,744
2023	$31,327,804	$28,712,884	$670,264,151	$2,614,920
2022	$24,146,976	$20,369,837	$687,612,427	$3,777,139
2021	$22,918,572	$20,852,595	$694,415,445	$2,065,977
2020	$25,976,857	$23,698,386	$623,371,735	$2,278,471
2019	$27,530,703	$24,750,028	$553,070,987	$2,780,675
2018	$27,874,314	$27,739,674	$551,216,747	$134,640

INSIGHT CREDIT UNION