VALLEY FINANCIAL CREDIT UNION (EIN 810247124) - Form 990 Financial Analysis & Trantor Score

🔒

Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

Sign in with your work email to view Tuckman-Chang indicators

Financial Trends

Organization Details

Formation Year

1949

Legal Domicile

Principal Officer

CASEY KLEIN

Phone

4066555053

Tax Period

2023-01-01 to 2023-12-31

VALLEY FINANCIAL CREDIT UNION, founded in 1949, is a mid-sized nonprofit in the Public & Societal Benefit sector that reported $26.0M in total revenue in fiscal year 2023. Revenue surged 23% from the prior year, signaling strong growth momentum. The organization ran a surplus of $4.8M, a strong 18% operating margin.

Mission

BUILDING RELATIONSHIPS WITH PEOPLE IN OUR COMMUNITIES AND UNITING WITH THEM TO ACHIEVE THEIR DREAMS.

🔒

Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

Sign in to view Trantor Score and financial metrics

Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2023)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $23,917,929

Investment Income $1,727,552

Other Revenue $335,069

TOTAL REVENUE $25,980,550

Expense Breakdown

Grants Paid $0

Salaries & Benefits $8,649,746

Fundraising Expenses $0

Other Expenses $9,273,482

TOTAL EXPENSES $21,228,536

Year-over-Year Comparison

	2023	2022	Change
Revenue	$25,980,550	$21,078,059	+0.2%
Expenses	$21,228,536	$16,871,815	+0.3%
Net Income	$4,752,014	$4,206,244	+0.1%

Key Indicators

✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✗ Schedule B Required

🔒

Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

Sign in to view all financial metrics

Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

Governance

Voting Members

Independent Members

Employees

140

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

$563,153

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CASEY KLEIN	CHIEF EXECUTIVE OFFICER	40.00	Officer	$334,601	$38,276	$372,877
SCOTT KANNING	CHIEF FINANCIAL OFFICER	40.00	Officer	$171,413	$18,863	$190,276
CINDY ROESLER	CHIEF RISK OFFICER	40.00	Highest	$149,670	$21,732	$171,402
KINDRA MCMULLIN	CHIEF OPERATIONS OFFICER	40.00	Highest	$136,972	$19,865	$156,837
ALAN VOGT	SR VP COMMERCIAL SERVICES	40.00	Highest	$131,990	$10,452	$142,442
BRANDON SCALA	SR VP OF BUSINESS DEVELOPMENT	40.00	Highest	$117,552	$6,922	$124,474
CHRISTOPHER LORASH	SR VP OF MORTGAGE AND CONSUMER LENDING	40.00	Highest	$116,448	$4,374	$120,822
REG GIBBS	BOARD CHAIRPERSON	1.00	Officer Director	$0	$0	$0
WES OJA	VICE CHAIRMAN	1.00	Officer Director	$0	$0	$0
ANN ADAIR	SECRETARY	1.00	Officer Director	$0	$0	$0
JORDAN FRICKLE	TREASURER	1.00	Officer Director	$0	$0	$0
CHUCK SOMMERS	OUTGOING TREASURER/EMERITUS	1.00	Officer Director	$0	$0	$0
GABRIEL BRIANO	DIRECTOR	1.00	Director	$0	$0	$0
KYLE BRUCKER	DIRECTOR - OUTGOING	1.00	Director	$0	$0	$0
LISA HUERTAS	DIRECTOR	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
2024	No data	No data	No data	No data
2023	$25,980,550	$21,228,536	$442,285,909	$4,752,014
2022	$21,078,059	$16,871,815	$424,964,584	$4,206,244
2021	$18,570,812	$14,502,365	$409,425,878	$4,068,447
2020	$18,689,489	$14,997,943	$344,625,014	$3,691,546
2019	$19,028,159	$14,115,937	$297,066,702	$4,912,222

VALLEY FINANCIAL CREDIT UNION