Wyoming Credit Union Ins TR (EIN 260133891) - 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

2004

Legal Domicile

Principal Officer

David Hansen

Phone

8003293891

Tax Period

2024-01-01 to 2024-12-31

Wyoming Credit Union Ins TR, founded in 2004, is a community nonprofit in the Mutual Benefit sector that reported $4.4M in total revenue in fiscal year 2024. Expenses of $5.2M exceeded revenue, resulting in a 18% operating deficit.

Mission

TO PROVIDE HEALTH INSURANCE TO MEMBER CREDIT UNIONS

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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 $4,242,413

Investment Income $141,280

Other Revenue $0

TOTAL REVENUE $4,383,693

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $4,931,698

Other Expenses $5,169,429

TOTAL EXPENSES $5,169,429

Year-over-Year Comparison

	2024	2023	Change
Revenue	$4,383,693	$4,400,193	0.0%
Expenses	$5,169,429	$3,640,185	+0.4%
Net Income	$-785,736	$760,008	-2.0%

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

N/A

Volunteers

N/A

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
David Hansen	Chairman	1.00	Officer Director	$0	$0	$0
Bill Willingham	Vice Chairman	1.00	Officer Director	$0	$0	$0
Wendy Koc	Treasurer	1.00	Director	$0	$0	$0
Kim McAtee	Secretary	1.00	Officer Director	$0	$0	$0
Kristy Fertig	Trustee	1.00	Officer 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
2024	$4,383,693	$5,169,429	$4,587,035	$-785,736
2023	$4,400,193	$3,640,185	$4,677,301	$760,008
2022	$3,577,504	$3,274,793	$3,918,089	$302,711
2021	$3,473,857	$3,366,695	$3,690,382	$107,162
2020	$3,571,970	$3,107,153	$3,184,713	$464,817
2019	$3,387,654	$3,192,823	$2,704,045	$194,831
2018	$3,443,895	$2,821,442	$2,471,660	$622,453
2017	$4,136,454	$4,381,602	$2,008,670	$-245,148

Wyoming Credit Union Ins TR