NORTH STAR COMMUNITY CREDIT UNION (EIN 237156614) - 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

1971

Legal Domicile

Principal Officer

JEFFREY L HAYES

Phone

7122255731

Tax Period

2025-01-01 to 2025-12-31

NORTH STAR COMMUNITY CREDIT UNION, founded in 1971, is a mid-sized nonprofit that reported $11.1M in total revenue in fiscal year 2025.

Mission

STATE CHARTERED CREDIT UNION

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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 $9,831,551

Investment Income $1,288,318

Other Revenue $0

TOTAL REVENUE $11,119,869

Expense Breakdown

Grants Paid $0

Salaries & Benefits $2,507,516

Fundraising Expenses $0

Other Expenses $8,562,184

TOTAL EXPENSES $11,069,700

Year-over-Year Comparison

	2025	2024	Change
Revenue	$11,119,869	$10,805,763	+0.0%
Expenses	$11,069,700	$9,776,886	+0.1%
Net Income	$50,169	$1,028,877	-1.0%

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
JEFFREY L HAYES	PRESIDENT/ CEO	50.00		$305,045	$33,205	$338,250
TIMOTHY K STONEKING	Director	1.00	Director	$0	$0	$0
BARBARA J MESSEROLE	Director	1.00	Director	$0	$0	$0
LEAH J EDWARDS	Director	1.00	Director	$0	$0	$0
BARBARA J KRATZ	Director	1.00	Director	$0	$0	$0
MORGAN I GRAVENISH	Director	1.00	Director	$0	$0	$0
RONALD E BROWN	Director	1.00	Director	$0	$0	$0
JOLLEEN K HEATER	Director	1.00	Director	$0	$0	$0
BENJAMIN J DEUBNER	Director	1.00	Director	$0	$0	$0
TRAVIS R WIESE	Director	1.00	Director	$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	$11,119,869	$11,069,700	$158,956,612	$50,169
2024	$10,805,763	$9,776,886	$161,518,214	$1,028,877
2023	$8,912,091	$7,568,718	$153,720,798	$1,343,373
2022	$6,650,515	$6,000,543	$136,692,292	$649,972
2021	$5,617,310	$5,437,696	$126,756,662	$179,614
2020	$5,570,748	$5,018,113	$119,960,916	$552,635
2019	$5,144,972	$4,505,932	$104,692,965	$639,040
2018	$4,230,159	$3,554,285	$90,497,371	$675,874

NORTH STAR COMMUNITY CREDIT UNION