AVISTA CORP CREDIT UNION (EIN 916033165) - 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

1934

Legal Domicile

Principal Officer

CHRIS JENTGES

Phone

5094952000

Tax Period

2023-01-01 to 2023-12-31

AVISTA CORP CREDIT UNION, founded in 1934, is a community nonprofit that reported $2.3M in total revenue in fiscal year 2023. Revenue surged 20% from the prior year, signaling strong growth momentum. The organization ran a surplus of $466K, a strong 20% operating margin.

Mission

PROVIDE FINANCIAL SERVICES TO MEMBERS. THESE SERVICES INCLUDE, BUT ARE NOT LIMITED TO, PROVIDING REAL ESTATE AND OTHER SECURED/UNSECURED LOANS AND VARIOUS SAVINGS PROGRAMS.

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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 (2023)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $1,818,431

Investment Income $451,716

Other Revenue $53,742

TOTAL REVENUE $2,323,889

Expense Breakdown

Grants Paid $5,096

Salaries & Benefits $572,616

Fundraising Expenses $0

Other Expenses $1,280,222

TOTAL EXPENSES $1,857,934

Year-over-Year Comparison

	2023	2022	Change
Revenue	$2,323,889	$1,933,082	+0.2%
Expenses	$1,857,934	$1,309,835	+0.4%
Net Income	$465,955	$623,247	-0.3%

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

N/A

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

$160,496

Total Directors

$160,496

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
PATRICK MAHER	BOARD PRESIDENT	1.00	Officer Director	$0	$0	$0
CHRIS JENTGES	BOARD SEC/TREAS, MANAGER	1.00	Officer Director	$134,064	$26,432	$160,496
RANDY CLOWARD	BOARD VICE PRESIDENT	1.00	Officer Director	$0	$0	$0
MARCUS GARBARINO	BOARD VICE PRESIDENT	1.00	Officer Director	$0	$0	$0
RUSS FEIST	DIRECTOR	1.00	Director	$0	$0	$0
BRYAN COX	DIRECTOR	1.00	Director	$0	$0	$0
DON FALKNER	DIRECTOR	1.00	Director	$0	$0	$0
MARY PRINCE	DIRECTOR	1.00	Director	$0	$0	$0
LAURA VICKERS	DIRECTOR	1.00	Director	$0	$0	$0
ALICIA GIBBS	DIRECTOR	1.00	Director	$0	$0	$0
KAITLYN RICHARDSON	DIRECTOR	1.00	Director	$0	$0	$0
AMAR DHALIWAL	DIRECTOR	1.00	Director	$0	$0	$0
SCOTT KINNEY	DIRECTOR (OUTGOING)	1.00	Director	$0	$0	$0
JACOB REIDT	BOARD VICE PRESIDENT (OUTGOING)	1.00	Officer 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	No data	No data	No data	No data
2023	$2,323,889	$1,857,934	$65,768,841	$465,955
2022	$1,933,082	$1,309,835	$73,833,248	$623,247
2021	$2,024,483	$1,404,468	$79,001,390	$620,015
2020	$2,246,463	$1,757,774	$73,560,347	$488,689
2019	$2,174,269	$1,579,309	$65,083,603	$594,960
2018	$2,085,326	$1,482,527	$66,062,034	$602,799

AVISTA CORP CREDIT UNION