Northwest Community Credit Union (EIN 930389726) - 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

1949

Principal Officer

Jeffrey Yoder

Phone

5417449518

Tax Period

2023-01-01 to 2023-12-31

Northwest Community Credit Union, founded in 1949, is a mid-sized nonprofit that reported $43.0M in total revenue in fiscal year 2023. Revenue fell 42% from the prior year — a significant decline worth monitoring. Expenses of $37.4M left a modest 13% surplus.

Mission

Focus on the member, add value and build partnership.

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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 $38,758,218

Investment Income $4,279,337

Other Revenue $1,151

TOTAL REVENUE $43,038,706

Expense Breakdown

Grants Paid $0

Salaries & Benefits $14,390,417

Fundraising Expenses $0

Other Expenses $23,020,080

TOTAL EXPENSES $37,410,497

Year-over-Year Comparison

	2023	2022	Change
Revenue	$43,038,706	$74,273,120	-0.4%
Expenses	$37,410,497	$60,384,939	-0.4%
Net Income	$5,628,209	$13,888,181	-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

372

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

$2,021,983

Total Directors

$76,642

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
John Iglesias	President & CEO	50.00	Officer	$674,363	$248,911	$923,274
Alan Pitcher	CIO	50.00	Officer	$264,261	$21,136	$285,397
Jeffrey Yoder	CFO	50.00	Officer	$188,589	$37,632	$226,221
Ken Myhra	CPO	50.00	Officer	$200,886	$20,238	$221,124
Jan Griffin	Former CXO	0.00		$217,450	$0	$217,450
Cheryl Crow	CCO	50.00	Officer	$157,164	$27,670	$184,834
Kenneth Santos	CRO	50.00	Officer	$153,186	$27,947	$181,133
Tomas Fasel	Director of Commercial Lending	40.00		$136,958	$24,842	$161,800
Terry Hagio	VP of Tech Services & Solutions	40.00		$137,846	$9,194	$147,040
George Williams	VP of Tech Operations & Information	40.00		$119,460	$22,391	$141,851
Matt Wade	VP of Residential Lending	40.00		$112,883	$20,828	$133,711
Kate Lange	Senior Investment Services Advisor	40.00		$109,822	$17,609	$127,431
David Rainwater	Chairman	2.60	Director	$10,417	$0	$10,417
Barry C Houk	Director	0.20	Director	$10,244	$0	$10,244
Brad D Anderson	Secretary	1.80	Director	$8,333	$0	$8,333
Barbara Blackmore	Director	1.00	Director	$8,333	$0	$8,333
Jon Ruiz	Director	3.30	Director	$8,333	$0	$8,333
Richard Leung	Director	1.60	Director	$8,333	$0	$8,333
Tomas Pettus-Czar	Vice Chair	2.60	Director	$8,333	$0	$8,333
Sarah Means	Director	0.60	Director	$7,208	$0	$7,208
Darcy Philips	Director	1.20	Director	$7,108	$0	$7,108

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
2023	$43,038,706	$37,410,497	No data	$5,628,209
2022	$74,273,120	$60,384,939	$1,806,109,861	$13,888,181
2021	$68,364,735	$50,305,281	$1,782,925,258	$18,059,454
2020	$67,519,452	$56,659,067	$1,514,782,386	$10,860,385
2019	$70,472,206	$55,811,845	$1,195,451,210	$14,660,361
2018	$67,314,639	$52,562,255	$1,154,635,512	$14,752,384

Northwest Community Credit Union