CREDIT UNIONS IN THE STATE OF WASHINGTON GENERATIONS CREDIT UNION (EIN 910601512) - 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

WILLIAM W PAULEN

Phone

2537225212

Tax Period

2018-01-01 to 2018-12-31

CREDIT UNIONS IN THE STATE OF WASHINGTON GENERATIONS CREDIT UNION, founded in 1939, is a community nonprofit that reported $1.8M in total revenue in fiscal year 2018. Revenue grew 11% year-over-year, indicating healthy expansion. The organization ran a surplus of $379K, a strong 21% operating margin.

Mission

GENERATION CU PROVIDES FINANCIAL SERVICES TO ITS MEMBERS AT A LOW COST AND REASONABLE RETURN.

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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 (2018)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $1,750,012

Investment Income $67,702

Other Revenue $0

TOTAL REVENUE $1,817,714

Expense Breakdown

Grants Paid $0

Salaries & Benefits $559,100

Fundraising Expenses $0

Other Expenses $879,864

TOTAL EXPENSES $1,438,964

Year-over-Year Comparison

	2018	2017	Change
Revenue	$1,817,714	$1,635,608	+0.1%
Expenses	$1,438,964	$810,539	+0.8%
Net Income	$378,750	$825,069	-0.5%

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

N/A

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

$155,968

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MARK BORGAARD	BOARD CHAIR	5.00	Director	$0	$0	$0
JOHN MACLENNAN	BOARD VICE CHAIR	2.00	Director	$0	$0	$0
BILL PRUETT	BOARD SECRETARY/TREASURER	2.00	Director	$0	$0	$0
GEORGE MANTE	BOARD MEMBER	2.00	Director	$0	$0	$0
GRAEME SACKRISON	BOARD MEMBER	2.00	Director	$0	$0	$0
REBECCA RIKER	VP MEMBER XP	40.00	Officer	$70,433	$592	$75,063
NIKKI LOUGHEED	VP SI	40.00	Officer	$75,857	$1,010	$80,905

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
2018	$1,817,714	$1,438,964	No data	$378,750

CREDIT UNIONS IN THE STATE OF WASHINGTON GENERATIONS CREDIT UNION