ALPINE 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

1955

Legal Domicile

Principal Officer

Nathaniel Stewart

Phone

8012250256

Tax Period

2025-01-01 to 2025-12-31

ALPINE CREDIT UNION, founded in 1955, is a mid-sized nonprofit that reported $19.2M in total revenue in fiscal year 2025. Revenue grew 16% year-over-year, indicating healthy expansion. Expenses of $16.8M left a modest 13% surplus.

Mission

CO-OP MEMBER FINANCIAL SERVICES

Program Service Accomplishments

Program 1

PROVIDED LOANS AT COMPARABLY LOW RATES TO MEMBERS OF THE CREDIT UNION USING MONIES DEPOSITED INTO THE CREDIT UNION AS MEMBER SHARES.

Program 2

PROVIDE GROWTH THROUGH DIVIDENDS AND INTEREST TO MEMBER'S SAVINGS ACCOUNTS, WHICH CONSIST OF SHARES, CERTIFICATES OF DEPOSIT, MONEY MARKET AND IRA ACCOUNTS.

Program 3

PROVIDE CONVENIENT FINANCIAL SERVICES TO MEMBERS IN THE FORM OF ONLINE BANKING, VISA CREDIT AND DEBIT PRODUCTS, BILL PAY SERVICE, DIRECT DEPOSIT, WIRE SERVICES AND ACH SERVICES.

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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 (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $0

Investment Income $1,679,979

Other Revenue $17,565,848

TOTAL REVENUE $19,245,827

Expense Breakdown

Grants Paid $0

Salaries & Benefits $5,333,836

Fundraising Expenses $0

Program Expenses $0

Other Expenses $11,441,800

TOTAL EXPENSES $16,775,636

Year-over-Year Comparison

	2025	2024	Change
Revenue	$19,245,827	$16,615,336	+0.2%
Expenses	$16,775,636	$15,642,579	+0.1%
Net Income	$2,470,191	$972,757	+1.5%

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Rachelle Spencer	Director	2	Director	$0	$0	$0
Gary Seastrand	Director	1.5	Director	$0	$0	$0
John Spencer	Director	1.5	Director	$0	$0	$0
Camie Harper	Director	1.5	Director	$0	$0	$0
Tom Mason	Director	1.5	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	$19,245,827	$16,775,636	$359,385,172	$2,470,191
2024	$16,615,336	$15,642,579	$333,668,340	$972,757
2023	$13,980,342	$12,652,842	$313,242,319	$1,327,500
2022	$11,173,106	$9,141,213	$310,734,730	$2,031,893
2021	$10,169,524	$8,212,780	$297,713,467	$1,956,744
2020	$9,950,222	$8,714,631	$260,796,220	$1,235,591
2019	$10,542,837	$8,786,904	$226,039,972	$1,755,933
2018	$9,637,605	$7,683,238	$214,651,233	$1,954,367