CREDIT UNIONS CHARTERED IN THE STATE OF UTAH (EIN 876127713) - 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

1963

Legal Domicile

Principal Officer

JOANNA BETHEA

Phone

4356782124

Tax Period

2025-01-01 to 2025-12-31

CREDIT UNIONS CHARTERED IN THE STATE OF UTAH, founded in 1963, is a community nonprofit that reported $3.4M in total revenue in fiscal year 2025. Expenses of $3.1M left a modest 8% surplus.

Mission

It is the Mission of San Juan Credit Union to provide the best financial services to those who live, work or have family in San Juan County Utah, while protecting the integrity of the 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 $239,001

Program Service Revenue $2,804,191

Investment Income $373,386

Other Revenue $0

TOTAL REVENUE $3,416,578

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,343,490

Fundraising Expenses $0

Program Expenses $3,147,630

Other Expenses $1,804,140

TOTAL EXPENSES $3,147,630

Year-over-Year Comparison

	2025	2024	Change
Revenue	$3,416,578	$3,305,121	+0.0%
Expenses	$3,147,630	$3,208,165	0.0%
Net Income	$268,948	$96,956	+1.8%

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

Total Directors

Key Employees

$671,158

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
SHERRILL PATTERSON	CFO/VICE PRESIDENT	45	Key Emp Highest	$179,376	$179,376	$358,752
LEAH LYMAN	PRESIDENT/CEO	45	Key Emp	$156,203	$156,203	$312,406
JAMIE HARVEY	DIRECTOR	0	Director	$0	$0	$0
DENISE BRADFORD	DIRECTOR	0	Director	$0	$0	$0
RANDALL PEMBERTON	CHAIR VICE PRESIDENT	0	Officer	$0	$0	$0
JOSEPH MITCHELL	SECRETARY / TREASURER	0	Officer	$0	$0	$0
JOANNA BETHEA	BOARD CHAIR	0	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	$3,416,578	$3,147,630	$29,192,877	$268,948
2024	$3,305,121	$3,208,165	$28,927,594	$96,956
2023	$2,971,581	$2,634,820	$27,424,625	$336,761
2022	$2,458,018	$2,186,300	$31,825,089	$271,718
2021	$2,285,640	$2,052,587	$27,866,767	$233,053
2020	$2,271,084	$2,114,967	$26,225,963	$156,117
2019	$2,376,628	$1,987,132	$23,177,490	$389,496
2018	$2,285,581	$1,832,689	$20,107,555	$452,892

CREDIT UNIONS CHARTERED IN THE STATE OF UTAH