COLUMBIA COMMUNITY 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

1952

Legal Domicile

Principal Officer

LINDSEY SALVESTRIN

Phone

3608914000

Tax Period

2025-01-01 to 2025-12-31

COLUMBIA COMMUNITY CREDIT UNION, founded in 1952, is a major nonprofit that reported $147.2M in total revenue in fiscal year 2025. The organization ran a surplus of $30.6M, a strong 21% operating margin.

Mission

BRINGING PEOPLE TOGETHER TO MAKE LIFE BETTER FOR THEMSELVES AND THEIR COMMUNITIES.

Program Service Accomplishments

Program 1

COLUMBIA COMMUNITY CREDIT UNION IS A WASHINGTON STATE-CHARTERED CREDIT UNION WITH A FIELD OF MEMBERSHIP IN WASHINGTON AND OREGON AND IS REGULATED BY THE WASHINGTON STATE DEPARTMENT OF FINANCIAL...

COLUMBIA COMMUNITY CREDIT UNION IS A WASHINGTON STATE-CHARTERED CREDIT UNION WITH A FIELD OF MEMBERSHIP IN WASHINGTON AND OREGON AND IS REGULATED BY THE WASHINGTON STATE DEPARTMENT OF FINANCIAL INSTITUTIONS, DIVISION OF CREDIT UNIONS WITH RECIPROCAL OVERSIGHT BY THE OREGON DEPARTMENT OF CONSUMER & BUSINESS SERVICES, DIVISION OF FINANCIAL REGULATION. MEMBERS' DEPOSITS ARE INSURED BY THE NATIONAL CREDIT UNION SHARE INSURANCE FUND. THE MAIN PURPOSE OF THE CREDIT UNION IS PROMOTING THRIFT AMONG ITS MEMBERS AND CREATING A SOURCE OF CREDIT FOR THEM AT FAIR AND REASONABLE RATES OF INTEREST.

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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 $135,544,983

Investment Income $11,633,828

Other Revenue $0

TOTAL REVENUE $147,178,811

Expense Breakdown

Grants Paid $286,208

Salaries & Benefits $34,087,256

Fundraising Expenses $0

Other Expenses $82,186,861

TOTAL EXPENSES $116,560,325

Year-over-Year Comparison

	2025	2024	Change
Revenue	$147,178,811	$137,950,343	+0.1%
Expenses	$116,560,325	$115,398,880	+0.0%
Net Income	$30,618,486	$22,551,463	+0.4%

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

377

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

$1,694,887

Total Directors

$171,920

Key Employees

$3,062,984

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
LINDSEY SALVESTRIN	PRESIDENT & CEO	50.00	Officer	$782,405	$241,961	$1,024,366
PENNY HARRIS	CHIEF FINANCIAL OFFICER	40.00	Officer	$489,937	$102,301	$592,238
MARK MICHAELS	CHIEF INFO. OFFICER (THRU 11/25)	40.00	Key Emp	$475,323	$71,432	$546,755
MARC TIMM	CHIEF CREDIT & LENDING OFFICER	40.00	Key Emp	$425,688	$91,663	$517,351
JAMES WOOD	CHIEF ADMIN OFFICER	40.00	Key Emp	$399,251	$81,995	$481,246
COLLEEN BOCCIA	CHIEF EXPERIENCE OFFICER	40.00	Key Emp	$364,710	$98,626	$463,336
HEATHER FRIEND	CHIEF OPERATING OFFICER	40.00	Key Emp	$332,250	$67,322	$399,572
WENDY SMITH	CHIEF RISK OFFICER	40.00	Key Emp	$318,131	$68,889	$387,020
JOSEPH STORM	VP COMMERCIAL & BUS. SVCS	40.00	Highest	$348,652	$23,263	$371,915
JEREMY HAWKINS	INVESTMENT ADVISOR REPRESENTATIVE	40.00	Highest	$255,505	$32,074	$287,579
MICHAEL FLOREA	CHIEF DATA OFFICER (THRU 4/25)	40.00	Key Emp	$230,181	$37,523	$267,704
RUSSELL GOCHNEAUR	VP INVESTMENTS & INSURANCE	40.00	Highest	$226,118	$27,609	$253,727
TIFFANY MCGUIRE	VP BRANCH SERVICES	40.00	Highest	$227,152	$24,702	$251,854
SAMANTHA SANDFORD	VP COMMERCIAL RELATIONSHIP MANAGER	40.00	Highest	$224,603	$22,945	$247,548
MAX AULT	CHAIR	2.30	Officer Director	$22,682	$0	$22,682
JOSEPH VANCE	CHAIR (THRU 4/25)	2.30	Officer Director	$15,002	$0	$15,002
DENA STRONG	VICE CHAIR	2.30	Officer Director	$20,599	$0	$20,599
TRACEY MALONE	TREASURER	2.30	Officer Director	$20,000	$0	$20,000
TIM SCHAUER	SECRETARY	2.30	Director	$20,153	$0	$20,153
ERIC SAWYER	DIRECTOR	2.30	Director	$20,599	$0	$20,599
JUDY KUSCHEL	DIRECTOR	2.30	Director	$15,000	$0	$15,000
CAROL VAN NATTA	DIRECTOR	2.30	Director	$15,000	$0	$15,000
JULIANNA MARLER	DIRECTOR (THRU 4/25)	2.30	Director	$9,187	$0	$9,187
SEAN GREGORY	DIRECTOR	2.30	Director	$6,849	$0	$6,849
WILLIAM HENRY	DIRECTOR	2.30	Director	$6,849	$0	$6,849

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	$147,178,811	$116,560,325	$2,557,295,207	$30,618,486
2024	No data	No data	No data	No data
2023	$117,918,562	$91,966,725	$2,351,701,367	$25,951,837
2022	$91,416,897	$65,808,473	$2,296,501,925	$25,608,424
2021	$81,363,284	$59,413,845	$2,324,855,630	$21,949,439
2020	$91,608,374	$79,301,979	$2,101,786,104	$12,306,395
2019	$84,035,675	$64,735,518	$1,701,571,179	$19,300,157
2018	$70,547,553	$54,327,879	$1,512,853,805	$16,219,674