CREDIT UNIONS IN THE STATE OF WASHINGTON

EIN: 910564946

Spokane, WA

Total Revenue
$5,004,120
Total Expenses
$5,203,529
Total Assets
$89,701,590
Net Assets
$88,873,795
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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
1935
Legal Domicile
WA
Principal Officer
Annettee Babb
Phone
5098386157
Tax Period
2025-01-01 to 2025-12-31

CREDIT UNIONS IN THE STATE OF WASHINGTON, founded in 1935, is a community nonprofit that reported $5.0M in total revenue in fiscal year 2025. Net assets of $88.9M represent 213 months of operating reserves.

Mission

To serve current and new members financial needs

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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%)

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Financial Overview (2025)

Revenue Breakdown

Contributions & Grants $0
Program Service Revenue $3,951,573
Investment Income $789,745
Other Revenue $262,802
TOTAL REVENUE $5,004,120

Expense Breakdown

Grants Paid $0
Salaries & Benefits $1,410,378
Fundraising Expenses $0
Program Expenses $5,203,529
Other Expenses $2,602,207
TOTAL EXPENSES $5,203,529

Year-over-Year Comparison

2025 2024 Change
Revenue $5,004,120 $5,189,309 0.0%
Expenses $5,203,529 $5,186,527 +0.0%
Net Income $-199,409 $2,782 -72.7%
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

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Governance

Voting Members
7
Independent Members
7
Employees
23
Volunteers
7

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
1
$166,902
Total Directors
10
$0
Key Employees
1
$166,902
Highest Compensated
1
reported
Name Title Hours/Week Role Reportable Comp Other Comp Total
Annettee Babb CEO 40
Officer Key Emp Highest
$166,902 $0 $166,902
John McCroskey Board Member 0
Director
$0 $0 $0
Kim Crompton Board Member Secretary 0
Director
$0 $0 $0
Conrad Band Board Member - Vice Chair 0
Director
$0 $0 $0
Karol Price Supervisory Committee - Chair 0
Director
$0 $0 $0
Terry Holbrook Board Member 0
Director
$0 $0 $0
Susan Gordon Supervisory Committee Member and Secretary 0
Director
$0 $0 $0
Clint Price Board Member - Chair 0
Director
$0 $0 $0
Rita Heldenbrand Board Member 0
Director
$0 $0 $0
Josefina Mields Supervisory Committee Member 0
Director
$0 $0 $0
Jay Bellefeuille Board Member 0
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 $5,004,120 $5,203,529 $89,701,590 $-199,409
2024 $5,189,309 $5,186,527 $93,727,205 $2,782
2023 $4,742,592 $4,585,677 $93,946,120 $156,915
2022 $4,083,346 $3,980,870 $97,663,937 $102,476
2021 $4,339,040 $4,165,075 $92,349,631 $173,965
2020 $4,599,860 $4,540,525 $91,027,353 $59,335
2019 $4,887,073 $4,390,853 $83,575,479 $496,220
2018 $4,410,107 $3,876,349 $81,974,912 $533,758
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