CREDIT UNIONS IN THE STATE OF WASHINGTON (EIN 910417045) - 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

1939

Legal Domicile

Principal Officer

Cindy Kyle

Phone

4252525139

Tax Period

2025-01-01 to 2025-12-31

CREDIT UNIONS IN THE STATE OF WASHINGTON, founded in 1939, is a community nonprofit that reported $4.0M in total revenue in fiscal year 2025. Net assets of $61.8M represent 184 months of operating reserves.

Mission

Provide credit union services to former employees of Kimberly-Clark Corporation and the state of Washington.

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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 $3,498,023

Investment Income $535,275

Other Revenue $0

TOTAL REVENUE $4,033,298

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,038,849

Fundraising Expenses $0

Program Expenses $0

Other Expenses $3,042,747

TOTAL EXPENSES $4,081,596

Year-over-Year Comparison

	2025	2024	Change
Revenue	$4,033,298	$3,933,672	+0.0%
Expenses	$4,081,596	$3,322,852	+0.2%
Net Income	$-48,298	$610,820	-1.1%

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Cindy Kyle	CEO	40.00	Highest	$140,192	$9,408	$149,600
Kit Andreason	Board Chairman	2	Director	$0	$0	$0
Heather Wallace	Secretary	1	Director	$0	$0	$0
Mike Harness	Vice Chair	2	Director	$0	$0	$0
Tom Norcott	Director	1	Director	$0	$0	$0
Roxanne Olason	Director	1	Director	$0	$0	$0
Neil Maddy	Director	1	Director	$0	$0	$0
Shelli Kuehn-Gilbert	Director	1	Director	$0	$0	$0
Joe Ward	Director	1	Director	$0	$0	$0
Al Dams	Director	1	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	$4,033,298	$4,081,596	$62,102,121	$-48,298
2024	$3,933,672	$3,322,852	$62,139,723	$610,820
2023	$3,896,046	$3,363,365	$64,008,191	$532,681
2022	$2,585,096	$2,017,046	$63,140,828	$568,050
2021	$2,432,035	$2,306,621	$61,176,964	$125,414
2020	$2,611,377	$2,230,191	$53,293,102	$381,186
2019	$2,391,703	$1,970,700	$50,282,369	$421,003
2018	$2,204,066	$1,926,536	$50,147,335	$277,530

CREDIT UNIONS IN THE STATE OF WASHINGTON