GUARDIANS CREDIT UNION (EIN 590947735) - 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

1953

Legal Domicile

Principal Officer

STEVE BOSACK

Phone

5616864006

Tax Period

2025-01-01 to 2025-12-31

GUARDIANS CREDIT UNION, founded in 1953, is a mid-sized nonprofit that reported $21.8M in total revenue in fiscal year 2025. The organization ran a surplus of $3.3M, a strong 15% operating margin.

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 $15,617,184

Investment Income $2,648,202

Other Revenue $3,496,252

TOTAL REVENUE $21,761,638

Expense Breakdown

Grants Paid $0

Salaries & Benefits $6,593,025

Fundraising Expenses $0

Program Expenses $18,416,080

Other Expenses $11,823,055

TOTAL EXPENSES $18,416,080

Year-over-Year Comparison

	2025	2024	Change
Revenue	$21,761,638	$20,788,475	+0.0%
Expenses	$18,416,080	$17,184,392	+0.1%
Net Income	$3,345,558	$3,604,083	-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

124

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

$1,041,667

Total Directors

Key Employees

$241,826

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
STEVE BOSACK	PRESIDENT/CE	40.00	Officer	$337,080	$19,736	$356,816
DEANNA FRAME	EVP	40.00	Key Emp	$233,648	$8,178	$241,826
JOSE ALICEA	COO	40.00	Officer	$184,273	$1,843	$186,116
MARTHA SCHWIND	AVP COMPLIAN	40.00	Highest	$109,533	$3,822	$113,355
FAREEDA MURRELL	AVP VIRTUAL	40.00	Highest	$108,865	$3,799	$112,664
REMIGIJUS LUKOSIUNAS	AVP PROJECT	40.00	Highest	$111,240	$695	$111,935
LISA OLIVER	CHIEF ADMIN	40.00	Officer	$166,064	$5,812	$171,876
SHERI HARRIS	AVP BRANCH S	40.00	Highest	$111,017	$3,874	$114,891
MICHELE NICHOLS	CLO	40.00	Officer	$180,200	$5,850	$186,050
MINIRE SYLA	CFO	40.00	Officer	$137,800	$3,009	$140,809
RAYMOND LIGGINS	BOARD CHAIR	1.00	Director	$0	$0	$0
HERBERT KAHLERT	BOARD VICE C	1.00	Director	$0	$0	$0
OSCAR SOLARES	BOARD SECRET	1.00	Director	$0	$0	$0
JUDITH DUGO	BOARD TREASU	1.00	Director	$0	$0	$0
BRENDAN LYNCH	BOARD MEMBER	1.00	Director	$0	$0	$0
JAMES DAVIS	BOARD MEMBER	1.00	Director	$0	$0	$0
THOMAS SHEA	HONORARY BOA	1.00	Director	$0	$0	$0
KEELER SHEPHARD	AUD COM CHAI	1.00	Officer	$0	$0	$0
CAROL HEFFNER	AUD COM MEMB	1.00	Officer	$0	$0	$0
LAURA WILLS	AUD COM MEMB	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	$21,761,638	$18,416,080	$299,078,015	$3,345,558
2024	$20,788,475	$17,184,392	$302,581,677	$3,604,083
2023	$19,290,973	$15,749,063	$288,582,486	$3,541,910
2022	$15,811,179	$13,250,093	$302,456,073	$2,561,086
2021	$15,445,719	$12,136,041	$295,864,483	$3,309,678
2020	$13,391,332	$11,909,286	$251,412,750	$1,482,046
2019	$13,904,869	$11,787,836	$206,919,539	$2,117,033
2018	$12,298,019	$9,570,040	$165,502,043	$2,727,979

GUARDIANS CREDIT UNION