794 KYGER CREEK KYGER CREEK CREDIT UNION INC (EIN 310604035) - 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

1957

Legal Domicile

Principal Officer

JOHN VANMETER

Phone

7403675055

Tax Period

2025-01-01 to 2025-12-31

794 KYGER CREEK KYGER CREEK CREDIT UNION INC, founded in 1957, is a small nonprofit that reported $950K in total revenue in fiscal year 2025. Revenue grew 8% year-over-year, indicating healthy expansion. The organization ran a surplus of $172K, a strong 18% operating margin.

Mission

THE PURPOSE OF THE CREDIT UNION IS TO PROMOTE THRIFT AND TO PROVIDE CREDIT FOR 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 (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $589,981

Investment Income $360,464

Other Revenue $0

TOTAL REVENUE $950,445

Expense Breakdown

Grants Paid $0

Salaries & Benefits $207,879

Fundraising Expenses $0

Program Expenses $778,048

Other Expenses $570,169

TOTAL EXPENSES $778,048

Year-over-Year Comparison

	2025	2024	Change
Revenue	$950,445	$876,502	+0.1%
Expenses	$778,048	$770,767	+0.0%
Net Income	$172,397	$105,735	+0.6%

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

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
SKIP MCGOVERN	DIRECTOR	1.00	Director	$0	$0	$0
ANDY HAISLOP	DIRECTOR	1.00	Director	$0	$0	$0
BRAD BAYLOR	DIRECTOR	1.00	Director	$0	$0	$0
JEFF MOLES	SECRETARY	1.00	Officer	$0	$0	$0
JOHN VANMETER	PRESIDENT	1.00	Officer	$0	$0	$0
JACOB SAUNDERS	VICE-PRESIDENT	1.00	Officer	$0	$0	$0
TIM STAUFER	TREASURER	1.00	Officer	$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	$950,445	$778,048	$20,089,538	$172,397
2024	$876,502	$770,767	$19,258,335	$105,735
2023	$638,029	$566,613	$18,820,271	$71,416
2022	$478,578	$386,282	$17,523,553	$92,296
2021	$475,562	$389,410	$17,815,629	$86,152
2020	$531,026	$429,756	$17,458,872	$101,270
2019	$570,589	$433,934	$16,746,069	$136,655
2018	$492,772	$428,155	$16,747,448	$64,617

794 KYGER CREEK KYGER CREEK CREDIT UNION INC