NW Priority Credit Union (EIN 930323668) - 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

1928

Legal Domicile

Phone

5037605304

Tax Period

2023-01-01 to 2023-12-31

NW Priority Credit Union, founded in 1928, is a community nonprofit that reported $7.5M in total revenue in fiscal year 2023. Expenses of $7.0M left a modest 7% surplus.

Mission

Non-profit, State-chartered, Natural Person Credit Union. Provide competitive financial services to the members of NW Priority Credit Union.

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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 $3,164,614

Investment Income $2,175,093

Other Revenue $2,169,241

TOTAL REVENUE $7,508,948

Expense Breakdown

Grants Paid $0

Salaries & Benefits $3,512,137

Fundraising Expenses $0

Other Expenses $2,799,945

TOTAL EXPENSES $7,002,871

Year-over-Year Comparison

	2023	2022	Change
Revenue	$7,508,948	$7,209,647	+0.0%
Expenses	$7,002,871	$5,876,224	+0.2%
Net Income	$506,077	$1,333,423	-0.6%

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

$703,629

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Julianne Garren	CEO	40.00	Officer	$236,278	$25,066	$261,344
Susan Greenshields	COO	40.00	Officer	$151,457	$15,865	$167,322
Christine Torland	CFO	40.00	Officer	$149,189	$16,040	$165,229
Lori Connelly	VP Marketing	40.00	Officer	$98,945	$10,789	$109,734
Sheryl Scarbrough	Board member	0.50	Director	$0	$0	$0
Cynthia Kuhn	Board member	0.50	Director	$0	$0	$0
Cindy Gray	Board member	0.50	Director	$0	$0	$0
Vittorio Orange	Board member	0.50	Director	$0	$0	$0
Sammy Smith	Board member	0.50	Director	$0	$0	$0
Romulo Hortaleza	Board member	0.50	Director	$0	$0	$0
Nancy McVicker	Board member	0.50	Director	$0	$0	$0
Rachelle Yut	Board member	0.50	Director	$0	$0	$0
Marie Mullins	Board Chair	0.50	Director	$0	$0	$0
Fred Carter	SC Chair	0.00	Director	$0	$0	$0
Jana Bailey	SC member	0.00	Director	$0	$0	$0
Ted Garner	SC member	0.00	Director	$0	$0	$0
Frankie Aubrey	SC member	0.00	Director	$0	$0	$0
Ella Hollingsworth	SC member	0.00	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
2024	No data	No data	No data	No data
2023	$7,508,948	$7,002,871	$260,677,734	$506,077
2022	$7,209,647	$5,876,224	$288,666,624	$1,333,423
2021	$6,624,464	$6,029,836	$301,929,774	$594,628
2020	$8,300,858	$6,759,835	$279,026,593	$1,541,023
2019	$9,269,256	$7,011,839	$247,875,888	$2,257,417
2018	$8,356,382	$6,539,788	$247,608,610	$1,816,594

NW Priority Credit Union