FELLOWSHIP 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

1959

Legal Domicile

Principal Officer

BRIAN KANE

Phone

7193365511

Tax Period

2023-01-01 to 2023-12-31

FELLOWSHIP CREDIT UNION, founded in 1959, is a community nonprofit that reported $2.5M in total revenue in fiscal year 2023. Revenue grew 14% year-over-year, indicating healthy expansion. The organization ran a surplus of $407K, a strong 16% operating margin.

Mission

THE MISSION OF FELLOWSHIP CREDIT UNION IS TO ENCOURAGE ECONOMIC STABILITY AMOUNG THE MEMBERSHIP BY PROVIDING FINANCIAL EDUCATION, AFFORDABLE FINANCIAL PRODUCTS AND EXTRAORDINARY SERVICE.

Program Service Accomplishments

Program 1

A. OPERATED FELLOWSHIP CREDIT UNION FOUNDATION, INC. - THE FOUNDATION WAS ESTABLISHED TO PROVIDE SCHOLARSHIP FUNDS FOR AREA STUDENTS TO ASSIST THEM IN COLLEGE EXPENSES AND ALSO TO HELP FUNDS FOR...

A. OPERATED FELLOWSHIP CREDIT UNION FOUNDATION, INC. - THE FOUNDATION WAS ESTABLISHED TO PROVIDE SCHOLARSHIP FUNDS FOR AREA STUDENTS TO ASSIST THEM IN COLLEGE EXPENSES AND ALSO TO HELP FUNDS FOR LOCAL HIGH SCHOOLS TO IMPLEMENT FINANCIAL EDUCATION PROGRAMS IN THEIR SCHOOLS.B. FINANCIAL EDUCATION AND TRAINING IN THE LOCAL MIDDLE SCHOOLS AND HIGH SCHOOLS.C. FRAUD IDENTIFY THEFT PREVENTION EDUCATION FOR SENIOR CITIZENS AND THE ELDERLY IN THE LOCAL COMMUNITIES.

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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 (2023)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $2,469,410

Investment Income $25,763

Other Revenue $0

TOTAL REVENUE $2,495,173

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,071,848

Fundraising Expenses $0

Other Expenses $1,016,027

TOTAL EXPENSES $2,087,875

Year-over-Year Comparison

	2023	2022	Change
Revenue	$2,495,173	$2,185,803	+0.1%
Expenses	$2,087,875	$1,863,000	+0.1%
Net Income	$407,298	$322,803	+0.3%

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

N/A

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

$341,905

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
LINDA WILGER	DIRECTOR	1.00	Director	$0	$0	$0
JESSE KALMA	CHAIRPERSON	2.00	Director	$0	$0	$0
BEATRICE HAGGARD	SECR / TREAS	1.00	Director	$0	$0	$0
GARY MELCHER	VICE CHAIR	1.00	Director	$0	$0	$0
PATTIE QUARLES	DIRECTOR	1.00	Director	$0	$0	$0
BRIAN KANE	CEO	40.00	Officer	$130,935	$12,095	$143,030
TYREN RUSHTON	CLO	40.00	Officer	$91,922	$10,864	$102,786
HEATHER GALLEGOS	CCO	40.00	Officer	$86,082	$10,007	$96,089

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	$2,495,173	$2,087,875	$43,706,733	$407,298
2022	$2,185,803	$1,863,000	$41,386,798	$322,803
2021	$1,980,464	$1,650,096	$37,647,727	$330,368
2020	$1,825,807	$1,628,110	$35,407,590	$197,697
2019	$1,701,774	$1,560,093	$27,107,249	$141,681
2018	$1,510,152	$1,362,810	$25,752,631	$147,342