VALLEY CREDIT UNION (EIN 936027729) - 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

1957

Legal Domicile

Principal Officer

PAT FORCE

Phone

5035896200

Tax Period

2024-01-01 to 2024-12-31

VALLEY CREDIT UNION, founded in 1957, is a community nonprofit that reported $7.6M in total revenue in fiscal year 2024. Revenue grew 15% year-over-year, indicating healthy expansion. Expenses of $7.3M left a modest 3% surplus.

Mission

TO PROVIDE EXCEPTIONAL SERVICE AND PRODUCTS THAT INCLUDES GREAT RATES AND LOW FEES FOR OUR MEMBERS.

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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 (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $6,941,070

Investment Income $630,025

Other Revenue $0

TOTAL REVENUE $7,571,095

Expense Breakdown

Grants Paid $15,157

Salaries & Benefits $1,928,805

Fundraising Expenses $0

Other Expenses $5,333,371

TOTAL EXPENSES $7,341,381

Year-over-Year Comparison

	2024	2023	Change
Revenue	$7,571,095	$6,561,737	+0.2%
Expenses	$7,341,381	$5,754,296	+0.3%
Net Income	$229,714	$807,441	-0.7%

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

$764,523

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ROB KANSKY	CHAIRMAN	1.00	Officer Director	$0	$0	$0
TYLER CLARK	DIRECTOR	1.00	Director	$0	$0	$0
MARILYN BACON	DIRECTOR	1.00	Director	$0	$0	$0
PATRICK VANCE	VICE CHAIRMAN	1.00	Officer Director	$0	$0	$0
EARLENE NAYLOR	DIRECTOR	1.00	Director	$0	$0	$0
JEFF SCOFIELD	DIRECTOR	1.00	Director	$0	$0	$0
RANDY SUTTON	DIRECTOR	1.00	Director	$0	$0	$0
PAT FORCE	CEO	40.00	Officer	$240,896	$25,312	$266,208
JUSTIN ROBERTS	VP OF LENDING	40.00	Officer	$170,955	$34,173	$205,128
JAKE TURPIN	VP OF MEMBER SERVICES	40.00	Officer	$126,677	$34,173	$160,850
KATIE CLARK	SECRETARY	40.00	Officer	$110,860	$21,477	$132,337
SHELLIE MARTIN	ACCOUNTING MANAGER	40.00	Highest	$103,521	$11,978	$115,499

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	$7,571,095	$7,341,381	$116,196,216	$229,714
2023	$6,561,737	$5,754,296	$109,481,799	$807,441
2022	$4,901,740	$4,146,414	$101,149,265	$755,326
2021	$4,536,004	$3,629,655	$95,936,553	$906,349
2020	$4,347,107	$3,433,701	$87,405,523	$913,406
2019	$4,220,190	$3,238,402	$76,588,714	$981,788
2018	$3,935,710	$3,007,230	$74,158,970	$928,480

VALLEY CREDIT UNION