SUN CREDIT UNION (EIN 590904715) - 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

1946

Legal Domicile

Principal Officer

PATRICK MASON

Phone

9549674441

Tax Period

2025-01-01 to 2025-12-31

SUN CREDIT UNION, founded in 1946, is a community nonprofit that reported $7.3M in total revenue in fiscal year 2025. Revenue grew 13% year-over-year, indicating healthy expansion. The organization ran a surplus of $1.4M, a strong 19% operating margin.

Mission

CREDIT UNION PROGRAMS

🔒

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 $4,923,145

Investment Income $2,359,773

Other Revenue $0

TOTAL REVENUE $7,282,918

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,803,990

Fundraising Expenses $0

Program Expenses $5,932,909

Other Expenses $4,128,919

TOTAL EXPENSES $5,932,909

Year-over-Year Comparison

	2025	2024	Change
Revenue	$7,282,918	$6,417,035	+0.1%
Expenses	$5,932,909	$5,475,928	+0.1%
Net Income	$1,350,009	$941,107	+0.4%

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

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

$275,000

Total Directors

Key Employees

$194,774

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
PATRICK MASON	CEO BOARD TREASURER	40.00	Officer	$273,764	$1,236	$275,000
HORACE MCLARTY	BOARD CHAIRPERSON	2.00	Director	$0	$0	$0
KWEI BATTELS	BOARD VICE CHAIRPERSON	2.00	Director	$0	$0	$0
JEFFREY DEVLIN	BOARD MEMBER	2.00	Director	$0	$0	$0
TAMARA THORNTON	BOARD SECRETARY	2.00	Director	$0	$0	$0
LESLEY PAYNE	DIRECTOR OF ACCOUNTING OPERATIONS	40.00	Key Emp	$194,378	$396	$194,774

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	$7,282,918	$5,932,909	$127,207,851	$1,350,009
2024	$6,417,035	$5,475,928	$119,406,044	$941,107
2023	$5,024,702	$4,146,241	$113,215,440	$878,461
2022	$3,889,765	$3,503,175	$122,210,783	$386,590
2021	$3,448,889	$3,217,851	$120,100,530	$231,038
2020	$3,623,373	$3,485,644	$106,919,286	$137,729
2019	$4,061,127	$3,561,532	$88,320,019	$499,595
2018	$3,788,033	$3,339,054	$85,972,103	$448,979

SUN CREDIT UNION