CENTRAL WISCONSIN ECONOMIC (EIN 264682326) - 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

2009

Legal Domicile

Principal Officer

KYLE KEARNS

Phone

7153407930

Tax Period

2024-10-01 to 2025-09-30

CENTRAL WISCONSIN ECONOMIC, founded in 2009, is a small nonprofit in the Community Improvement sector that reported $615K in total revenue in fiscal year 2024. The organization ran a surplus of $440K, a strong 72% operating margin.

Mission

TO PROVIDE BUSINESS LOANS THAT WILL CREATE AND RETAIN PERMANENT JOBS WITH QUALITY WAGES AND BENEFITS, TO PROMOTE A DIVERSE MIX OF EMPLOYMENT OPPORTUNITIES, TO PERPETUATE POSITIVE AND PROACTIVE BUSINESS CLIMATES WHICH ENCOURAGE THE RETENTION AND EXPANSION OF EXISTING BUSINESSES

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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 $219,001

Investment Income $395,697

Other Revenue $0

TOTAL REVENUE $614,698

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $153,817

Other Expenses $174,240

TOTAL EXPENSES $174,240

Year-over-Year Comparison

	2024	2023	Change
Revenue	$614,698	$630,722	0.0%
Expenses	$174,240	$136,351	+0.3%
Net Income	$440,458	$494,371	-0.1%

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

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
KYLE KEARNS	PRESIDENT	1.00	Officer Director	$0	$0	$0
JEFF GATES	VICE PRESIDENT	1.00	Officer Director	$0	$0	$0
JASON GRUENEBERG	TREASURER	1.00	Officer Director	$0	$0	$0
ANGELA CLOSE	SECRETARY	1.00	Officer Director	$0	$0	$0
STEVE BARG	BOARD MEMBER	1.00	Director	$0	$0	$0
SARA GUILD	BOARD MEMBER	1.00	Director	$0	$0	$0
ADAM DEKLEYN	BOARD MEMBER	1.00	Director	$0	$0	$0
KARI CARROLL	BOARD MEMBER	1.00	Director	$0	$0	$0
JAROD KIVELA	BOARD MEMBER	1.00	Director	$0	$0	$0
TAMAYA JO LOEWE	BOARD MEMBER	1.00	Director	$0	$0	$0
KIMM WEBER	BOARD MEMBER	1.00	Director	$0	$0	$0
JIM WEIX	BOARD MEMBER	1.00	Director	$0	$0	$0
GAYLENE RHODEN	BOARD MEMBER	1.00	Director	$0	$0	$0
JOHN PAVELSKI	BOARD MEMBER	1.00	Director	$0	$0	$0
KATHY SCHMITZ	BOARD MEMBER	1.00	Director	$0	$0	$0
DARIC SMITH	BOARD MEMBER	1.00	Director	$0	$0	$0
RANDY DECKER	BOARD MEMBER	1.00	Director	$0	$0	$0
CHRIS SHAFER	BOARD MEMBER	1.00	Director	$0	$0	$0
TONY PHARO	BOARD MEMBER	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	$614,698	$174,240	$13,596,532	$440,458
2023	$443,395	$127,041	$12,661,703	$316,354
2022	$339,312	$143,698	$12,345,349	$195,614
2021	$319,941	$115,356	$12,149,735	$204,585
2020	$313,864	$138,122	$11,945,150	$175,742
2019	$333,038	$236,485	$11,792,559	$96,553

CENTRAL WISCONSIN ECONOMIC