UNITED ASSOCIATION CREDIT UNION

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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

Phone

9256861044

Tax Period

2025-01-01 to 2025-12-31

UNITED ASSOCIATION CREDIT UNION, founded in 1957, is a small nonprofit that reported $749K in total revenue in fiscal year 2025. Revenue decreased 6% compared to the prior year. The organization ran a surplus of $237K, a strong 32% operating margin.

Mission

PROVIDE SERVICES FOR MEMBERS

Program Service Accomplishments

Program 1

PROVIDE GREATER SAVINGS TO ITS MEMBERS COMPARED TO WHAT IS OFFERED IN A TRADITIONAL BANKING ENVIRONMENT INCLUDING OTHER AVAILABLE DISCOUNT PACKAGES.

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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 $749,013

Investment Income $24

Other Revenue $0

TOTAL REVENUE $749,037

Expense Breakdown

Grants Paid $0

Salaries & Benefits $335,394

Fundraising Expenses $0

Other Expenses $176,494

TOTAL EXPENSES $511,888

Year-over-Year Comparison

	2025	2024	Change
Revenue	$749,037	$799,833	-0.1%
Expenses	$511,888	$563,117	-0.1%
Net Income	$237,149	$236,716	+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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JOHN PATTEN	Chairman	1.00	Director	$0	$0	$0
BRYANT BAKER	Director	1.00	Director	$0	$0	$0
JOHN VICTOR	Director	1.00	Director	$0	$0	$0
NATHAN WALTON	Director	1.00	Director	$0	$0	$0
DEVON REED	VICE CHAIRMAN	1.00	Officer	$0	$0	$0
KEVIN VICTOR	Secretary	1.00	Officer	$0	$0	$0
LUIS GONZALEZ II	Treasurer	1.00	Officer	$0	$0	$0
LYNN DEBENE	MANAGER	33.00		$0	$0	$0
RAWNIE THOMAS	LOAN OFFICER	33.00		$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	$749,037	$511,888	$13,703,077	$237,149
2024	$799,833	$563,117	$13,115,534	$236,716
2023	$697,907	$423,113	$12,524,164	$274,794
2022	$487,423	$432,510	$12,494,692	$54,913
2021	$458,302	$355,270	$11,295,131	$103,032
2020	$519,312	$341,811	$9,798,840	$177,501
2019	$537,146	$363,740	$8,522,211	$173,406
2018	$466,157	$331,394	$7,910,415	$134,763