WHARTON CO TEACHERS CREDIT UNION (EIN 741213075) - 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

1953

Legal Domicile

Principal Officer

KEVIN STEHLING

Phone

9795321930

Tax Period

2025-01-01 to 2025-12-31

WHARTON CO TEACHERS CREDIT UNION, founded in 1953, is a small nonprofit that reported $278K in total revenue in fiscal year 2025. Revenue grew 17% year-over-year, indicating healthy expansion. Expenses of $240K left a modest 14% surplus.

Mission

CREDIT UNION AVAILABLE TO TEACHERS AND THEIR FAMILIES.

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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 $0

Investment Income $278,065

Other Revenue $0

TOTAL REVENUE $278,065

Expense Breakdown

Grants Paid $0

Salaries & Benefits $94,722

Fundraising Expenses $0

Other Expenses $145,218

TOTAL EXPENSES $239,940

Year-over-Year Comparison

	2025	2024	Change
Revenue	$278,065	$236,862	+0.2%
Expenses	$239,940	$196,267	+0.2%
Net Income	$38,125	$40,595	-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

N/A

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
KEVIN STEHLING	CHAIRMAN	N/A	Officer	$0	$0	$0
MARY W KING	VICE CHAIRMA	N/A	Officer	$0	$0	$0
THERESA BELTRAN	SECRETARY	N/A	Officer	$0	$0	$0
DAVID KUCERA	TREASURER	N/A	Officer	$0	$0	$0
WANDA POPP	BOARD MEMBER	N/A	Director	$0	$0	$0
DESMOND SCOTT	BOARD MEMBER	N/A	Director	$0	$0	$0
MELISSA BRUTON	VICE CHAIRMA	N/A	Director	$0	$0	$0
NATALIE STAVINOHA	BOARD MEMBER	N/A	Director	$0	$0	$0
JIM MULLINO	BOARD MEMBER	N/A	Director	$0	$0	$0
LILLIAN LOCKLEY	BOARD MEMBER	N/A	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	$278,065	$239,940	$7,821,648	$38,125
2024	$236,862	$196,267	$8,552,957	$40,595
2023	$203,021	$196,997	$8,534,636	$6,024
2022	$166,092	$223,391	$9,363,686	$-57,299
2021	$180,548	$166,971	$9,736,775	$13,577
2020	$219,150	$171,641	$9,974,307	$47,509
2019	$237,336	$187,195	$10,115,375	$50,141
2018	$221,275	$182,515	$10,590,737	$38,760

WHARTON CO TEACHERS CREDIT UNION