SPOKANE CITY 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

1934

Legal Domicile

Principal Officer

Deanna Hanley President CEO

Phone

5093257228

Tax Period

2025-01-01 to 2025-12-31

SPOKANE CITY CREDIT UNION, founded in 1934, is a community nonprofit that reported $3.6M in total revenue in fiscal year 2025. Expenses of $3.1M left a modest 14% surplus.

Mission

PRUDENTLY SERVE THE FINANCIAL NEEDS OF ITS MEMBERS.

Program Service Accomplishments

Program 1

Expenses: $0 Revenue: $0

PROVIDE FINANCIAL SERVICES TO 4,312 MEMBERS. THESE SERVICES INCLUDE BUT ARE NOT LIMITED TO PROVIDING REAL ESTATE AND OTHER SECURED UNSECURED CONSUMER LOANS CHECKING AND SAVINGS PROGRAMS AND CREDIT...

PROVIDE FINANCIAL SERVICES TO 4,312 MEMBERS. THESE SERVICES INCLUDE BUT ARE NOT LIMITED TO PROVIDING REAL ESTATE AND OTHER SECURED UNSECURED CONSUMER LOANS CHECKING AND SAVINGS PROGRAMS AND CREDIT CARD 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 $3,346,376

Investment Income $269,027

Other Revenue $0

TOTAL REVENUE $3,615,403

Expense Breakdown

Grants Paid $17,310

Salaries & Benefits $943,415

Fundraising Expenses $0

Program Expenses $0

Other Expenses $2,162,237

TOTAL EXPENSES $3,122,962

Year-over-Year Comparison

	2025	2024	Change
Revenue	$3,615,403	$3,403,618	+0.1%
Expenses	$3,122,962	$2,891,391	+0.1%
Net Income	$492,441	$512,227	0.0%

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

$145,889

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
GENE JAKUBCZAK	CHAIRPERSON	1.00	Officer Director	$0	$0	$0
DAVID EASH	VICE CHAIRPERSON	1.00	Officer Director	$0	$0	$0
CORIN MORSE	SECRETARY	1.00	Officer Director	$0	$0	$0
FRANCIS ADEWALE	TREASURER	1.00	Officer Director	$0	$0	$0
BRANDON RAPEZ-BETTY	DIRECTOR	1.00	Director	$0	$0	$0
HARRY A MCLEAN JR	DIRECTOR	1.00	Director	$0	$0	$0
RAYLENE GENNETT	DIRECTOR	1.00	Director	$0	$0	$0
DEANNA HANLEY	PRESIDENT-CEO	50.00	Officer	$137,405	$8,484	$145,889

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	$3,615,403	$3,122,962	$63,216,327	$492,441
2025	$3,615,403	$3,122,962	$63,216,327	$492,441
2024	$3,403,618	$2,891,391	$62,438,816	$512,227
2023	$3,079,570	$2,721,220	$64,928,147	$358,350
2022	$2,708,960	$2,330,702	$63,150,914	$378,258
2021	$2,637,549	$2,135,271	$60,290,084	$502,278
2020	$2,576,466	$2,263,916	$52,979,724	$312,550
2019	$2,366,448	$2,067,123	$45,632,808	$299,325
2018	$2,073,741	$1,857,449	$41,715,705	$216,292