VUE Community Credit Union (EIN 237125198) - 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

1961

Legal Domicile

Principal Officer

Steve DeLap

Phone

7012236533

Tax Period

2025-01-01 to 2025-12-31

VUE Community Credit Union, founded in 1961, is a community nonprofit that reported $5.2M in total revenue in fiscal year 2025. Revenue grew 10% year-over-year, indicating healthy expansion. Expenses of $4.5M left a modest 13% surplus.

Mission

VUE Community Credit Union is a Bismarck-based credit union with world-class service offerings.

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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 $4,131,772

Investment Income $1,115,754

Other Revenue $0

TOTAL REVENUE $5,247,526

Expense Breakdown

Grants Paid $25,415

Salaries & Benefits $1,386,547

Fundraising Expenses $0

Other Expenses $1,397,314

TOTAL EXPENSES $4,543,887

Year-over-Year Comparison

	2025	2024	Change
Revenue	$5,247,526	$4,761,347	+0.1%
Expenses	$4,543,887	$7,485,698	-0.4%
Net Income	$703,639	$-2,724,351	-1.3%

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

$316,908

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Dan Durkee	Chairman	1.00	Officer Director	$0	$0	$0
Paul Silbernagel	Vice Chairman	1.00	Officer Director	$0	$0	$0
Andrea Kilzer	Treasurer	1.00	Officer Director	$0	$0	$0
Mary Scott	Secretary	1.00	Officer Director	$0	$0	$0
Rich Turman	Director	1.00	Director	$0	$0	$0
Janice Katin	Director	1.00	Director	$0	$0	$0
Elaine Mather	Director	1.00	Director	$0	$0	$0
Steve DeLap	President	40.00	Officer	$129,235	$43,432	$172,667
Shari Schmit	VP of Operations	40.00	Officer	$117,685	$26,556	$144,241
Richard Keller	VP of Lending	40.00	Highest	$100,796	$36,091	$136,887

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	$5,247,526	$4,543,887	$103,931,638	$703,639
2024	$4,761,347	$7,485,698	$101,190,399	$-2,724,351
2023	$4,137,962	$3,822,203	$95,947,363	$315,759
2022	$3,193,510	$2,585,631	$87,992,833	$607,879
2021	$3,143,436	$2,211,454	$89,086,872	$931,982
2020	$2,900,865	$2,208,028	$68,828,017	$692,837
2019	$2,606,384	$2,002,569	$57,775,160	$603,815
2018	$2,363,897	$1,949,866	$56,754,265	$414,031

VUE Community Credit Union