CREDIT UNIONS IN THE STATE OF WASHINGTON DBA OLYMPIA CREDIT UNION (EIN 916072220) - 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

1965

Legal Domicile

Principal Officer

JANA AYRES

Phone

3607545559

Tax Period

2025-01-01 to 2025-12-31

CREDIT UNIONS IN THE STATE OF WASHINGTON DBA OLYMPIA CREDIT UNION, founded in 1965, is a community nonprofit that reported $3.4M in total revenue in fiscal year 2025.

Mission

THE CREDIT UNION GRANTED 1,215 LOANS TO MEMBERS IN 2025 AMOUNTING TO $12,643,364.

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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 $2,897,975

Investment Income $493,154

Other Revenue $44,111

TOTAL REVENUE $3,435,240

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,360,959

Fundraising Expenses $0

Program Expenses $3,333,169

Other Expenses $1,972,210

TOTAL EXPENSES $3,333,169

Year-over-Year Comparison

	2025	2024	Change
Revenue	$3,435,240	$3,232,442	+0.1%
Expenses	$3,333,169	$3,230,689	+0.0%
Net Income	$102,071	$1,753	+57.2%

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

$276,436

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JANA AYRES	President & CEO	40.00	Officer	$133,637	$17,927	$151,564
PAULA VAUGHN	VP LENDING	40.00	Officer	$116,775	$8,097	$124,872
DAN HILLARD	Director	1.00	Director	$0	$0	$0
LARRY LUFKIN	Director	2.00	Director	$0	$0	$0
KATHY BOOS	Secretary	1.00	Director	$0	$0	$0
JODI PETERSEN	Director	1.00	Director	$0	$0	$0
STEVE VESSEY	Chairman	1.00	Director	$0	$0	$0
SHIRLEY LEGG	Director	1.00	Director	$0	$0	$0
SHANA OLIVER	Vice Chair	1.00	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
2025	$3,435,240	$3,333,169	$55,233,920	$102,071
2024	$3,232,442	$3,230,689	$52,363,300	$1,753
2023	$2,710,305	$2,584,432	$52,473,339	$125,873
2022	$2,247,464	$1,999,528	$53,803,002	$247,936
2021	$2,086,980	$1,983,061	$53,301,227	$103,919
2020	$2,167,236	$1,939,874	$49,285,131	$227,362
2019	$2,189,724	$1,994,124	$40,310,997	$195,600
2018	$2,093,566	$1,754,491	$38,777,351	$339,075

CREDIT UNIONS IN THE STATE OF WASHINGTON DBA OLYMPIA CREDIT UNION