NORTHEAST COMMUNITY CREDIT UNION (EIN 620676416) - 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

1952

Legal Domicile

Principal Officer

DAVID LEVEAU

Phone

4235471200

Tax Period

2025-01-01 to 2025-12-31

NORTHEAST COMMUNITY CREDIT UNION, founded in 1952, is a mid-sized nonprofit that reported $10.1M in total revenue in fiscal year 2025. Revenue grew 9% year-over-year, indicating healthy expansion. The organization ran a surplus of $2.4M, a strong 23% 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 $7,676,749

Investment Income $2,218,978

Other Revenue $210,603

TOTAL REVENUE $10,106,330

Expense Breakdown

Grants Paid $0

Salaries & Benefits $2,786,043

Fundraising Expenses $0

Program Expenses $7,754,087

Other Expenses $4,968,044

TOTAL EXPENSES $7,754,087

Year-over-Year Comparison

	2025	2024	Change
Revenue	$10,106,330	$9,297,706	+0.1%
Expenses	$7,754,087	$7,085,554	+0.1%
Net Income	$2,352,243	$2,212,152	+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

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

$256,946

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DAVID LEVEAU	PRESIDENT/CE	40.00	Officer	$145,085	$18,938	$164,023
TERESA ARNOLD	BOARD TREAS/	1.00	Director	$0	$0	$0
KEVIN BUCKLES	CFO	40.00	Officer	$78,799	$14,124	$92,923
ANDY HARDIN	BOARD MEMBER	1.00	Director	$0	$0	$0
LISA HAYES	BOARD VICE C	1.00	Director	$0	$0	$0
JOHN K GEAGLEY	BOARD MEMBER	1.00	Director	$0	$0	$0
KAY ARNOLD	BOARD MEMBER	1.00	Director	$0	$0	$0
RICHARD CLARK	BOARD MEMBER	1.00	Director	$0	$0	$0
DENNIS L WILSON	BOARD MEMBER	1.00	Director	$0	$0	$0
KATHY CAMPBELL	BOARD CHAIR	1.00	Director	$0	$0	$0
DUSTIN DUNCAN	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	$10,106,330	$7,754,087	$184,307,862	$2,352,243
2024	$9,297,706	$7,085,554	$181,246,847	$2,212,152
2023	$8,780,666	$6,172,043	$178,044,513	$2,608,623
2022	$6,535,819	$5,480,680	$182,357,062	$1,055,139
2021	$5,107,735	$4,095,369	$179,401,948	$1,012,366
2020	$5,442,641	$4,361,552	$155,727,860	$1,081,089
2019	$5,458,967	$4,190,719	$121,166,084	$1,268,248
2018	$5,369,526	$3,916,045	$115,643,337	$1,453,481

NORTHEAST COMMUNITY CREDIT UNION