CREDIT UNIONS CHARTERED IN THE STATE OF UTAH (EIN 870263101) - Form 990 Financial Analysis & Trantor Score

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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

1957

Legal Domicile

Principal Officer

Brent Prisbrey

Phone

4352012085

Tax Period

2025-01-01 to 2025-12-31

CREDIT UNIONS CHARTERED IN THE STATE OF UTAH, founded in 1957, is a small nonprofit that reported $371K in total revenue in fiscal year 2025. Revenue grew 16% year-over-year, indicating healthy expansion. Expenses of $332K left a modest 11% surplus.

Mission

We are a member-owned credit union.

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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 $283,115

Investment Income $87,944

Other Revenue $0

TOTAL REVENUE $371,059

Expense Breakdown

Grants Paid $0

Salaries & Benefits $65,610

Fundraising Expenses $0

Program Expenses $331,727

Other Expenses $266,117

TOTAL EXPENSES $331,727

Year-over-Year Comparison

	2025	2024	Change
Revenue	$371,059	$318,528	+0.2%
Expenses	$331,727	$284,287	+0.2%
Net Income	$39,332	$34,241	+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

N/A

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

$60,750

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Brent Prisbrey	President	20	Officer	$48,000	$0	$48,000
Matthew Pace	Assistant Manager	6	Officer	$12,750	$0	$12,750
Don Sudweeks	Board President	0.50	Director	$0	$0	$0
Jack Wood	Board Vice-President	0.50	Director	$0	$0	$0
Beth Foisy	Board Secretary	0.50	Director	$0	$0	$0
Lance Norris	Board Member	0.50	Director	$0	$0	$0
Kimberly Parsons	Board Member	0.50	Director	$0	$0	$0
Melissa Hartle	Supervisory Committee Chair	0.50	Officer	$0	$0	$0
Stephanie Johnson	Supervisory Committee Member	0.50	Officer	$0	$0	$0
Phillip Johnson	Supervisory Committee Member	0.50	Officer	$0	$0	$0
Patsy Nielsen	Supervisory Committee Member	0.50	Officer	$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	$371,059	$331,727	$6,988,106	$39,332
2024	$318,528	$284,287	$6,247,206	$34,241
2023	$259,834	$229,970	$5,776,045	$29,864
2022	$189,110	$157,696	$5,725,675	$31,414
2021	$148,087	$116,029	$5,696,715	$32,058
2020	$158,115	$133,111	$5,139,854	$25,004
2019	$187,006	$132,445	$4,632,848	$54,561
2018	$177,052	$127,208	$4,712,472	$49,844

CREDIT UNIONS CHARTERED IN THE STATE OF UTAH