WHITE RIVER CREDIT UNION

EIN: 910599107

ENUMCLAW, WA

Total Revenue
$7,261,286
Total Expenses
$5,975,179
Total Assets
$115,260,784
Net Assets
$17,762,120
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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
1952
Legal Domicile
WA
Principal Officer
BRANDY FIELDING
Phone
3608254833
Tax Period
2024-01-01 to 2024-12-31

WHITE RIVER CREDIT UNION, founded in 1952, is a community nonprofit that reported $7.3M in total revenue in fiscal year 2024. Revenue grew 11% year-over-year, indicating healthy expansion. The organization ran a surplus of $1.3M, a strong 18% operating margin.

Mission

TO PROVIDE QUALITY SERVICE TO OUR MEMBERS/OWNERS.

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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 (2024)

Revenue Breakdown

Contributions & Grants $0
Program Service Revenue $6,086,199
Investment Income $1,175,087
Other Revenue $0
TOTAL REVENUE $7,261,286

Expense Breakdown

Grants Paid $4,998
Salaries & Benefits $1,751,460
Fundraising Expenses $0
Other Expenses $4,218,721
TOTAL EXPENSES $5,975,179

Year-over-Year Comparison

2024 2023 Change
Revenue $7,261,286 $6,562,021 +0.1%
Expenses $5,975,179 $5,177,680 +0.2%
Net Income $1,286,107 $1,384,341 -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

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Governance

Voting Members
10
Independent Members
10
Employees
30
Volunteers
10

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
4
$284,337
Total Directors
11
$77,957
Key Employees
0
$0
Highest Compensated
2
reported
Name Title Hours/Week Role Reportable Comp Other Comp Total
BRANDY FIELDING PRESIDENT & CEO 50.00
Officer
$188,159 $18,221 $206,380
MARIA HANSEN VP OF OPERATIONS 40.00
Highest
$115,686 $5,784 $121,470
CHRISTINE DORN VP OF LENDING 40.00
Highest
$103,931 $14,502 $118,433
SADIE CAPPS SECRETARY & VP OF COMPLIANCE/HR 34.50
Officer Director
$65,851 $12,106 $77,957
TODD HUIZENGA BOARD CHAIR 1.00
Officer Director
$0 $0 $0
GARY MCGILLIVRAY BOARD VICE CHAIR 0.50
Officer Director
$0 $0 $0
LINDA BARNES BOARD MEMBER 0.50
Director
$0 $0 $0
DENNIS DEVLIN BOARD MEMBER 0.50
Director
$0 $0 $0
ERIC HYATT BOARD MEMBER 0.50
Director
$0 $0 $0
PETER KIRCHNER BOARD MEMBER 0.50
Director
$0 $0 $0
VENESSA KOEHN BOARD MEMBER 0.50
Director
$0 $0 $0
MARY KNUTSON BOARD MEMBER 0.50
Director
$0 $0 $0
TONY RYAN BOARD MEMBER 0.50
Director
$0 $0 $0
LEE BLECHSCHMIDT BOARD MEMBER 0.50
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
2024 $7,261,286 $5,975,179 $115,260,784 $1,286,107
2023 $6,562,021 $5,177,680 $119,708,505 $1,384,341
2022 $5,041,563 $4,557,718 $124,008,865 $483,845
2021 $4,031,020 $3,363,752 $119,235,607 $667,268
2020 $4,027,465 $3,176,944 $100,685,737 $850,521
2019 $3,821,063 $2,777,936 $84,607,639 $1,043,127
2018 $3,462,558 $2,591,748 $80,584,971 $870,810
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