Northwest Christian Credit Union

EIN: 820250969

Nampa, ID

Total Revenue
$4,930,640
Total Expenses
$4,442,368
Total Assets
$104,210,378
Net Assets
$8,656,095
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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
1954
Legal Domicile
ID
Principal Officer
Paul Bowman
Phone
2084660916
Tax Period
2025-01-01 to 2025-12-31

Northwest Christian Credit Union, founded in 1954, is a community nonprofit that reported $4.9M in total revenue in fiscal year 2025. Revenue grew 11% year-over-year, indicating healthy expansion. Expenses of $4.4M left a modest 10% surplus.

Mission

Unite the faith and finance of the Christian community

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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%)

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Financial Overview (2025)

Revenue Breakdown

Contributions & Grants $0
Program Service Revenue $3,480,742
Investment Income $1,449,898
Other Revenue $0
TOTAL REVENUE $4,930,640

Expense Breakdown

Grants Paid $0
Salaries & Benefits $1,513,861
Fundraising Expenses $0
Program Expenses $1,628,919
Other Expenses $2,928,507
TOTAL EXPENSES $4,442,368

Year-over-Year Comparison

2025 2024 Change
Revenue $4,930,640 $4,459,289 +0.1%
Expenses $4,442,368 $4,905,610 -0.1%
Net Income $488,272 $-446,321 -2.1%
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

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Governance

Voting Members
7
Independent Members
7
Employees
32
Volunteers
10

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
4
$490,748
Total Directors
7
$0
Key Employees
0
$0
Highest Compensated
0
reported
Name Title Hours/Week Role Reportable Comp Other Comp Total
BRAD SWARTZENTRUBER PresidentCEO 40.00
Officer
$147,381 $15,934 $163,315
PAUL BOWMAN Vice Pres Finance 40.00
Officer
$127,122 $9,909 $137,031
LEONARD FRINGS Vice Pres Lending 40.00
Officer
$91,511 $4,608 $96,119
RIKKI WATKINS Vice Pres Operations 40.00
Officer
$90,507 $3,776 $94,283
BRENT CARPENTER Director 1.00
Director
$0 $0 $0
DAVID PETERSON TreasurerSecretary 1.00
Director
$0 $0 $0
NATHAN ROSKAM Chairperson 1.00
Director
$0 $0 $0
LIBERTY THOMPSON Vice Chairperson 1.00
Director
$0 $0 $0
GRANT MILLER Director 1.00
Director
$0 $0 $0
RACHEL BOREN Director 1.00
Director
$0 $0 $0
MARK WHEELER 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
2025 $4,930,640 $4,442,368 $104,210,378 $488,272
2024 No data No data No data No data
2023 $4,556,560 $3,083,906 $99,239,990 $1,472,654
2022 $2,893,011 $2,576,137 $106,062,876 $316,874
2021 $2,452,925 $2,327,090 $106,342,699 $125,835
2020 $2,562,844 $2,249,812 $81,331,166 $313,032
2019 $2,514,681 $2,170,928 $68,454,839 $343,753
2018 $2,253,130 $1,937,471 $61,847,997 $315,659
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