SKYLINE CREDIT UNION (EIN 620761061) - 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

1993

Legal Domicile

Principal Officer

SHANNON ALDRIDGE

Phone

6153453471

Tax Period

2025-01-01 to 2025-12-31

SKYLINE CREDIT UNION, founded in 1993, is a small nonprofit that reported $900K in total revenue in fiscal year 2025. Revenue grew 10% year-over-year, indicating healthy expansion. The organization ran a surplus of $190K, a strong 21% 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 $500,214

Investment Income $383,123

Other Revenue $16,262

TOTAL REVENUE $899,599

Expense Breakdown

Grants Paid $0

Salaries & Benefits $266,420

Fundraising Expenses $0

Program Expenses $709,828

Other Expenses $443,408

TOTAL EXPENSES $709,828

Year-over-Year Comparison

	2025	2024	Change
Revenue	$899,599	$819,965	+0.1%
Expenses	$709,828	$652,510	+0.1%
Net Income	$189,771	$167,455	+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

$71,872

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
SHANNON ALDRIDGE	MANAGER	40.00	Officer	$60,401	$11,471	$71,872
ANGELA SMITH	BOARD PRESID	1.00	Director	$0	$0	$0
GARY WASHER	BOD 1ST VP	1.00	Director	$0	$0	$0
DANIEL KNALLS	BOD 2ND VP	1.00	Director	$0	$0	$0
LORETTA BALTZ	BOARD SECRET	1.00	Director	$0	$0	$0
ROSE ANKENBAUER	BOARD TREASU	1.00	Director	$0	$0	$0
RHONDA BLACKWELL	BOARD MEMBER	1.00	Director	$0	$0	$0
CATHY MANGER	BOARD MEMBER	1.00	Director	$0	$0	$0
SHANDA HAYES	SUPERVISORY	1.00	Officer	$0	$0	$0
CHERYL MARKHAM	SUPERVISORY	1.00	Officer	$0	$0	$0
DEBBIE FARMER	SUPERVISORY	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	$899,599	$709,828	$16,888,281	$189,771
2024	$819,965	$652,510	$16,968,137	$167,455
2023	$684,075	$548,796	$17,338,370	$135,279
2022	$507,092	$380,434	$18,001,696	$126,658
2021	$465,380	$438,341	$18,140,955	$27,039
2020	$532,743	$478,021	$17,208,037	$54,722
2019	$602,310	$500,932	$16,096,819	$101,378
2018	$568,933	$481,858	$16,452,176	$87,075

SKYLINE CREDIT UNION