KEYSTONE 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

1990

Legal Domicile

Phone

9038824343

Tax Period

2024-01-01 to 2024-12-31

KEYSTONE CREDIT UNION, founded in 1990, is a community nonprofit that reported $2.0M in total revenue in fiscal year 2024. Revenue grew 9% year-over-year, indicating healthy expansion. Expenses of $1.9M left a modest 5% surplus.

Mission

TO PROVIDE FINANCIAL SERVICES TO CREDIT UNION MEMBERS SUCH AS CHECKING AND SAVINGS ACCOUNTS. TO PROVIDE LOANS FOR NEW AND USED CARS, REAL ESTATE, HOME EQUITY, FURNITURE, UNSECURED, ETC.

Program Service Accomplishments

Program 1

TO PROVIDE LOANS TO MEMBERS WITH THE BEST POSSIBLE FINANCIAL SERVICES, AT FAIR AND FAVORABLE RATES AND TERMS, TO PROVIDE SAVINGS ACCOUNTS (SHARES, IRA & SHARE DRAFTS) THAT PAY FAVORABLE DIVIDENDS...

TO PROVIDE LOANS TO MEMBERS WITH THE BEST POSSIBLE FINANCIAL SERVICES, AT FAIR AND FAVORABLE RATES AND TERMS, TO PROVIDE SAVINGS ACCOUNTS (SHARES, IRA & SHARE DRAFTS) THAT PAY FAVORABLE DIVIDENDS, AND TO PROVIDE FINANCIAL ASSISTANCE IN RIGHTS TO CREDIT.

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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 (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $1,599,912

Investment Income $368,463

Other Revenue $11,618

TOTAL REVENUE $1,979,993

Expense Breakdown

Grants Paid $0

Salaries & Benefits $575,547

Fundraising Expenses $0

Other Expenses $1,296,062

TOTAL EXPENSES $1,871,609

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,979,993	$1,811,020	+0.1%
Expenses	$1,871,609	$1,833,483	+0.0%
Net Income	$108,384	$-22,463	-5.8%

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

N/A

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
ANGELA POWERS	MANAGER / CEO	40.00		$80,359	$0	$80,359
CARL AUVIL	Chairman	0.00	Officer Director	$0	$0	$0
MICHAEL PETERSON	Treasurer	0.00	Director	$0	$0	$0
JOHN H PRATER	Secretary	0.00	Officer Director	$0	$0	$0
KIMBERLY HALE	Vice Chairman	0.00	Director	$0	$0	$0
KYLE TROMBLY	BOARD MEMBER	0.00	Director	$0	$0	$0
CATHY PARKER	BOARD MEMBER	0.00	Director	$0	$0	$0
JASON ROMANS	BOARD MEMBER	0.00	Officer 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
2024	$1,979,993	$1,871,609	$39,692,295	$108,384
2023	$1,811,020	$1,833,483	$37,927,906	$-22,463
2022	$1,402,044	$1,355,486	$40,019,761	$46,558
2021	$1,597,501	$1,217,215	$39,860,264	$380,286
2020	$1,690,688	$1,287,838	$38,798,015	$402,850
2019	$1,601,036	$1,461,990	$36,471,487	$139,046
2018	$1,414,227	$1,380,779	$38,135,050	$33,448