UPWARD CREDIT UNION FKA UNITED HEALTH CREDIT UNION (EIN 946093763) - 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

1956

Legal Domicile

Principal Officer

JASON MERTZ-PRICKETT

Phone

6502311300

Tax Period

2024-01-01 to 2024-12-31

UPWARD CREDIT UNION FKA UNITED HEALTH CREDIT UNION, founded in 1956, is a community nonprofit that reported $4.7M in total revenue in fiscal year 2024. Revenue surged 21% from the prior year, signaling strong growth momentum. Expenses of $4.3M left a modest 8% surplus.

Mission

A COOPERATIVE ORGANIZED FOR THE PURPOSE OF PROMOTING THRIFT AND SAVINGS AMONG ITS 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 $3,786,906

Investment Income $901,195

Other Revenue $0

TOTAL REVENUE $4,688,101

Expense Breakdown

Grants Paid $19,845

Salaries & Benefits $1,728,114

Fundraising Expenses $0

Other Expenses $2,556,189

TOTAL EXPENSES $4,304,148

Year-over-Year Comparison

	2024	2023	Change
Revenue	$4,688,101	$3,887,245	+0.2%
Expenses	$4,304,148	$3,624,049	+0.2%
Net Income	$383,953	$263,196	+0.5%

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

$375,998

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ANNIE MILLER	CHAIR	2.00	Director	$0	$0	$0
THEODORE CELENTINO	VICE CHAIR	2.00	Director	$0	$0	$0
ANGELA DAVIS	TREASURER	2.00	Director	$0	$0	$0
ABBY VILLAVICENCIO	SECRETARY	2.00	Director	$0	$0	$0
REED GRAHAM	DIRECTOR	2.00	Director	$0	$0	$0
KAYLYN DAWKINS	DIRECTOR	2.00	Director	$0	$0	$0
KAREN DAWKINS	DIRECTOR	2.00	Director	$0	$0	$0
MATTHEW T RING	DIRECTOR	2.00	Director	$0	$0	$0
TED DURKAN CELENTINO	DIRECTOR	2.00	Director	$0	$0	$0
THERESA CHASE	SUPV CMTE CHAIR	2.00	Director	$0	$0	$0
ANN BROWN	SUPV CMTE MEMBER	2.00	Director	$0	$0	$0
CLARENCE DICKERSON	SUPV CMTE MEMBER	2.00	Director	$0	$0	$0
JASON MERTZ-PRICKETT	PRESIDENT & CEO	40.00	Officer	$211,177	$12,757	$223,934
ANTHONY CHAVIRA	COO	40.00	Officer	$146,101	$5,963	$152,064

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	$4,688,101	$4,304,148	$94,012,475	$383,953
2023	$3,887,245	$3,624,049	$94,183,458	$263,196
2022	$3,232,601	$3,071,754	$93,358,986	$160,847
2021	$3,082,501	$2,994,704	$102,007,793	$87,797
2020	$3,345,251	$3,129,191	$91,742,051	$216,060
2019	$3,742,663	$3,128,222	$78,999,908	$614,441
2018	$3,879,227	$2,844,974	$78,857,046	$1,034,253

UPWARD CREDIT UNION FKA UNITED HEALTH CREDIT UNION