SPACE AGE 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

1952

Legal Domicile

Principal Officer

PHIL SNOW

Phone

3033697666

Tax Period

2024-01-01 to 2024-12-31

SPACE AGE CREDIT UNION, founded in 1952, is a community nonprofit that reported $9.1M in total revenue in fiscal year 2024.

Mission

A STATE CHARTERED CREDIT UNION PROVIDING FINANCIAL SERVICES TO ITS MEMBERS

Program Service Accomplishments

Program 1

CONSUMER LOANS AND CREDIT CARDS THE CREDIT UNION OFFERS CONSUMER LOANS OF ALL TYPES AT COMPETETIVE RATES

Program 2

SHARE AND SHARE DRAFT ACCOUNTS THE CREDIT UNION OFFERS OF ALL TYPES OF CHECKING AND SAVINGS ACCOUNTS AT COMPETETIVE RATES

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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 $7,585,589

Investment Income $1,531,148

Other Revenue $0

TOTAL REVENUE $9,116,737

Expense Breakdown

Grants Paid $0

Salaries & Benefits $3,386,093

Fundraising Expenses $0

Other Expenses $5,652,444

TOTAL EXPENSES $9,038,537

Year-over-Year Comparison

	2024	2023	Change
Revenue	$9,116,737	$8,446,234	+0.1%
Expenses	$9,038,537	$8,362,334	+0.1%
Net Income	$78,200	$83,900	-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

$239,200

Total Directors

Key Employees

$563,170

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
LC WILLIAMS	BOARD CHAIRMAN	1.00	Officer Director	$0	$0	$0
TERRIE SMIGIEL	VICE CHAIR	1.00	Officer Director	$0	$0	$0
RICHARD SALL	SECRETARY	1.00	Officer Director	$0	$0	$0
TARRO McCRAY	TREASURER	1.00	Officer Director	$0	$0	$0
GABRIEL WESTBROOK	DIRECTOR	1.00	Director	$0	$0	$0
NICK HILL	DIRECTOR	1.00	Director	$0	$0	$0
SAM SEARCY	DIRECTOR	1.00	Director	$0	$0	$0
JOHN UCHIDA	CEO	40.00	Officer Key Emp	$239,200	$0	$239,200
PHILIP SNOW	VP FINANCE	40.00	Key Emp	$161,985	$0	$161,985
DENISE ROBERTS	VP HUMAN RESOURCES	40.00	Key Emp	$161,985	$0	$161,985

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	No data	No data	No data	No data
2024	$9,116,737	$9,038,537	$162,398,334	$78,200
2023	$8,446,234	$8,362,334	$167,336,155	$83,900