HAPPY VALLEY CREDIT UNION (EIN 620225612) - 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

1933

Legal Domicile

Principal Officer

Carrie Harrison

Phone

6152327975

Tax Period

2025-01-01 to 2025-12-31

HAPPY VALLEY CREDIT UNION, founded in 1933, is a community nonprofit that reported $1.8M in total revenue in fiscal year 2025. Expenses of $1.6M left a modest 9% surplus.

Mission

Credit Union - To provide services for approximately 3,228 members for loans savings and other financial services.

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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 $922,461

Investment Income $876,389

Other Revenue $0

TOTAL REVENUE $1,798,850

Expense Breakdown

Grants Paid $0

Salaries & Benefits $537,766

Fundraising Expenses $0

Program Expenses $1,645,056

Other Expenses $1,107,290

TOTAL EXPENSES $1,645,056

Year-over-Year Comparison

	2025	2024	Change
Revenue	$1,798,850	$1,696,827	+0.1%
Expenses	$1,645,056	$1,307,037	+0.3%
Net Income	$153,794	$389,790	-0.6%

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

$80,715

Total Directors

$80,715

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Carrie Harrison	CEO Board Treasurer	40.00	Officer Director	$80,715	$0	$80,715
Sonja Culler	Board Chair	1.00	Director	$0	$0	$0
Melissa Elsea	Board Secretary	1.00	Director	$0	$0	$0
Terry Arnold	Board Vice-Chair	1.00	Director	$0	$0	$0
Jennifer Martin	Board Member	1.00	Director	$0	$0	$0
Hunter Nelson	Board Member	1.00	Director	$0	$0	$0
Danny Deal	Board Member	1.00	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	$1,798,850	$1,645,056	$36,563,026	$153,794
2024	No data	No data	No data	No data
2023	$1,555,507	$1,103,603	$37,259,890	$451,904
2022	$1,193,368	$1,090,448	$41,248,091	$102,920
2021	$1,074,618	$1,166,525	$41,101,031	$-91,907
2020	$1,263,594	$1,318,255	$37,738,598	$-54,661
2019	$1,472,516	$1,359,245	$33,373,919	$113,271
2018	$1,481,906	$1,330,395	$30,514,961	$151,511

HAPPY VALLEY CREDIT UNION