U S EMPLOYEES CREDIT UNION

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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

Sandra Childers

Phone

7135953400

Tax Period

2025-01-01 to 2025-12-31

U S EMPLOYEES CREDIT UNION, founded in 1933, is a community nonprofit that reported $4.4M in total revenue in fiscal year 2025. Expenses of $3.8M left a modest 14% surplus.

Mission

USE Credit Union's Mission is to encourage members' personal sucess through exceptional financial services. USE Credit Union offers competive deposit and loan rates to members, offering a cooperative approach to banking.

Program Service Accomplishments

Program 1

Expenses: $187,886 Revenue: $219,812

Share Saving Accounts, USE Credit Union offers many different types of share savings accounts that pay our members competitive dividend tares. There are accounts that fit the needs of consumers of...

Share Saving Accounts, USE Credit Union offers many different types of share savings accounts that pay our members competitive dividend tares. There are accounts that fit the needs of consumers of all ages from youth saving account that teach young people the importance of savings and how to make wise purchasing choices to IRA share and certificates accounts for mature members, members have access to personal finance tools provided by the Credit Union to help them make good financial decisions.

Program 2

Expenses: $291,011 Revenue: $340,460

Checking Accounts, USE Credit union offers a checking product for whatever a member's financial needs are. We offer free checking, a dividend checking, and even a second chance checking account for those members who have been denied service at retail banks. Member can access their funds at one of our two branch locations, at any shared service center locations, online or with a no fee MC debit card.

Program 3

Expenses: $1,755,124 Revenue: $2,053,360

Consumer Loan, USE Credit Union provides a wide range of loan products to our members. We offer lower rates than most retail banks in the area for a comparable product. Our goal is to offer...

Consumer Loan, USE Credit Union provides a wide range of loan products to our members. We offer lower rates than most retail banks in the area for a comparable product. Our goal is to offer affordable options to our members all while providing outstanding customer service. We provide credit counseling to our members and offer alternatives to preditory lenders or payday loans

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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 $2,628,481

Investment Income $1,814,133

Other Revenue $0

TOTAL REVENUE $4,442,614

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,395,656

Fundraising Expenses $0

Program Expenses $3,784,664

Other Expenses $2,412,935

TOTAL EXPENSES $3,808,591

Year-over-Year Comparison

	2025	2024	Change
Revenue	$4,442,614	$4,417,169	+0.0%
Expenses	$3,808,591	$3,724,621	+0.0%
Net Income	$634,023	$692,548	-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

$360,342

Total Directors

Key Employees

$81,981

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Sandra Childers	CEO	40	Officer	$110,215	$29,842	$140,057
Marina Izvekova	VP of Accounting	40	Officer	$98,601	$30,032	$128,633
Latisha Schools	VP of Operations	40	Officer	$73,786	$17,866	$91,652
Laura Leal	IT Manager	40	Key Emp	$56,315	$25,666	$81,981
Clarence Brooks	Director	1	Director	$0	$0	$0
Pamela Edwards	Director	1	Director	$0	$0	$0
Mike Foster	Chairman, Director	1	Director	$0	$0	$0
Charles Konikoff	Vice Chairperson, Director	1	Director	$0	$0	$0
Gerald Bunn	Board Secretary, Treasurer, Director	1	Director	$0	$0	$0
Linda Corbin	Director	1	Director	$0	$0	$0
Christopher Fortune	Director	1	Director	$0	$0	$0
Karen Hyman	Director	1	Director	$0	$0	$0
Shahara Wright	Director	1	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	$4,442,614	$3,808,591	$86,642,532	$634,023
2024	$4,417,169	$3,724,621	$87,569,638	$692,548
2023	$3,694,785	$3,484,680	$89,351,225	$210,105
2022	$3,165,503	$3,085,208	$94,764,946	$80,295
2021	$3,244,594	$2,887,545	$93,111,004	$357,049
2020	$3,250,988	$3,056,302	$86,562,910	$194,686
2019	$3,461,541	$3,254,488	$80,456,755	$207,053
2018	$3,409,201	$3,230,585	$80,342,597	$178,616