HEALTHCARE SERVICES CREDIT UNION (EIN 626642525) - 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

1994

Legal Domicile

Principal Officer

SHANNON WALTERS

Phone

4232424728

Tax Period

2025-01-01 to 2025-12-31

HEALTHCARE SERVICES CREDIT UNION, founded in 1994, is a community nonprofit that reported $1.6M in total revenue in fiscal year 2025. Expenses of $1.4M left a modest 9% surplus.

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 $1,181,885

Investment Income $336,212

Other Revenue $58,373

TOTAL REVENUE $1,576,470

Expense Breakdown

Grants Paid $0

Salaries & Benefits $636,494

Fundraising Expenses $0

Program Expenses $1,432,648

Other Expenses $796,153

TOTAL EXPENSES $1,432,647

Year-over-Year Comparison

	2025	2024	Change
Revenue	$1,576,470	$1,488,921	+0.1%
Expenses	$1,432,647	$1,312,144	+0.1%
Net Income	$143,823	$176,777	-0.2%

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

$189,306

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
SHANNON WALTERS	MANAGER/CEO	40.00	Officer	$179,157	$10,149	$189,306
FRED GAULT	BOARD PRESID	1.00	Director	$0	$0	$0
CAROLYN FLETCHER	BOARD TREASU	1.00	Director	$0	$0	$0
MARY PETTYJOHN	SUPERVISORY	1.00	Officer	$0	$0	$0
JOAN CAMPBELL	BOARD MEMBER	1.00	Director	$0	$0	$0
CAROL PAM UPTON	SUPERVISORY	1.00	Officer	$0	$0	$0
CAROL WEAVER-VANDERGRIFF	SUPERVISORY	1.00	Officer	$0	$0	$0
JEREMY OTTING	BOARD VICE P	1.00	Director	$0	$0	$0
ERICAL BEASLEY	BOARD SECRET	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	$1,576,470	$1,432,647	$24,647,567	$143,823
2024	$1,488,921	$1,312,144	$23,607,137	$176,777
2023	$1,273,572	$1,164,130	$23,656,892	$109,442
2022	$1,108,078	$1,020,771	$23,663,791	$87,307
2021	$1,053,598	$996,985	$23,961,246	$56,613
2020	$1,158,324	$1,137,128	$23,059,874	$21,196
2019	$1,319,737	$1,318,864	$19,865,060	$873
2018	$1,357,100	$1,281,915	$20,179,856	$75,185

HEALTHCARE SERVICES CREDIT UNION