GATEWAY CREDIT UNION (EIN 930519645) - 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

1963

Legal Domicile

Principal Officer

Marcos Sulistio

Tax Period

2025-01-01 to 2025-12-31

GATEWAY CREDIT UNION, founded in 1963, is a community nonprofit that reported $1.5M in total revenue in fiscal year 2025. Expenses of $1.3M left a modest 13% surplus.

Mission

Non-profit 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 (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $1,265,250

Investment Income $251,274

Other Revenue $0

TOTAL REVENUE $1,516,524

Expense Breakdown

Grants Paid $0

Salaries & Benefits $641,980

Fundraising Expenses $0

Program Expenses $1,324,014

Other Expenses $682,034

TOTAL EXPENSES $1,324,014

Year-over-Year Comparison

	2025	2024	Change
Revenue	$1,516,524	$1,473,271	+0.0%
Expenses	$1,324,014	$1,282,669	+0.0%
Net Income	$192,510	$190,602	+0.0%

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

$187,425

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Marcos Sulistio	CEO	40	Officer	$187,425	$0	$187,425
Steve Cheek	Board Chair	2	Director	$0	$0	$0
Bill Powell	Board Vice	1	Director	$0	$0	$0
Russell Sirotek	Board Director and Supervisory Committee Chair	10	Director	$0	$0	$0
Dale Curtis	Supervisory Committee	1	Director	$0	$0	$0
Cal Morgan	Board Director	1	Director	$0	$0	$0
Johnnie Thompson	Supervisory Committee	1	Director	$0	$0	$0
Jay Zink	Board Director	1	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	$1,516,524	$1,324,014	$28,767,832	$192,510
2024	$1,473,271	$1,282,669	$29,967,146	$190,602
2023	$1,542,260	$1,202,522	$29,145,651	$339,738
2022	$1,197,484	$1,020,641	$32,080,903	$176,843
2021	$1,045,382	$945,019	$32,842,414	$100,363
2020	$1,121,537	$1,022,366	$28,953,061	$99,171
2019	$1,036,410	$882,065	$24,602,834	$154,345
2018	$974,134	$827,545	$23,505,328	$146,589

GATEWAY CREDIT UNION