VOCALITY COMMUNITY 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

1979

Legal Domicile

Principal Officer

PATRICIA NEIGHBORS

Phone

7079232012

Tax Period

2025-01-01 to 2025-03-24

VOCALITY COMMUNITY CREDIT UNION, founded in 1979, is a community nonprofit that reported $2.0M in total revenue in fiscal year 2025. Revenue fell 78% from the prior year — a significant decline worth monitoring.

Mission

THE MISSION OF VOCALITY COMMUNITY CREDIT UNION IS TO PROVIDE ESSENTIAL FINANCIAL SERVICES AT REASONABLE RATES TO ITS MEMBERS, PROMOTING THRIFT AND FISCAL HEALTH THROUGH ITS SAVINGS, LENDING AND OTHER FINANCIAL PROGRAMS.

Program Service Accomplishments

Program 1

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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 $1,804,443

Investment Income $216,987

Other Revenue $0

TOTAL REVENUE $2,021,430

Expense Breakdown

Grants Paid $0

Salaries & Benefits $783,712

Fundraising Expenses $0

Other Expenses $1,438,084

TOTAL EXPENSES $2,221,796

Year-over-Year Comparison

	2025	2024	Change
Revenue	$2,021,430	$9,017,830	-0.8%
Expenses	$2,221,796	$9,601,365	-0.8%
Net Income	$-200,366	$-583,535	-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

$271,205

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MARCIA MENDELS	BOARD CHAIR	2.00	Director	$0	$0	$0
SCOTT BLISS	BOARD CO- CHAIR	2.00	Director	$0	$0	$0
JANET FITZGERALD	BOARD TREASURER/ SECRETARY	2.00	Director	$0	$0	$0
ERICA BOYD	BOARD AUDIT COMMITTEE CHAIR	2.00	Director	$0	$0	$0
FRANK LETTON	BOARD MEMBER	2.00	Director	$0	$0	$0
STEVE SCALMANINI	BOARD MEMBER	2.00	Director	$0	$0	$0
PATRICIA NEIGHBORS	PRESIDENT/CEO	40.00	Officer	$157,216	$3,340	$160,556
THOMAS FARMER	SVP LENDING/COLLECTIONS	40.00	Officer	$46,197	$3,436	$49,633
TRACY MCGREW	VP ENTERPRISE RISK MGMT	40.00	Officer	$29,815	$0	$29,815
CHRYSTINE ELSTAD	VP MEMBER SERVICES	40.00	Officer	$28,066	$3,135	$31,201

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	$2,021,430	$2,221,796	No data	$-200,366
2024	$9,017,830	$9,601,365	$138,427,745	$-583,535
2020	$8,162,319	$7,066,146	$154,107,193	$1,096,173