MAUMEE VALLEY CREDIT UNION INC

EIN: 344428397

Toledo, OH

Total Revenue
$1,068,877
Total Expenses
$1,267,324
Total Assets
$19,825,452
Net Assets
$2,302,855
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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
1998
Legal Domicile
OH
Principal Officer
Rebecca Schroeder
Phone
4193824071
Tax Period
2024-01-01 to 2024-12-31

MAUMEE VALLEY CREDIT UNION INC, founded in 1998, is a community nonprofit that reported $1.1M in total revenue in fiscal year 2024. Expenses of $1.3M exceeded revenue, resulting in a 19% operating deficit.

Mission

Maumee Valley Credit Union is a financial institution cooperative organized to provide loan and deposit products and services for its member owners.

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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%)

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Financial Overview (2024)

Revenue Breakdown

Contributions & Grants $0
Program Service Revenue $848,853
Investment Income $221,964
Other Revenue $-1,940
TOTAL REVENUE $1,068,877

Expense Breakdown

Grants Paid $0
Salaries & Benefits $341,194
Fundraising Expenses $0
Program Expenses $1,196,861
Other Expenses $926,130
TOTAL EXPENSES $1,267,324

Year-over-Year Comparison

2024 2023 Change
Revenue $1,068,877 $1,039,663 +0.0%
Expenses $1,267,324 $1,027,664 +0.2%
Net Income $-198,447 $11,999 -17.5%
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

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Governance

Voting Members
7
Independent Members
6
Employees
9
Volunteers
6

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
0
$0
Total Directors
7
$99,745
Key Employees
1
$99,745
Highest Compensated
1
reported
Name Title Hours/Week Role Reportable Comp Other Comp Total
Rebecca Schroeder Treasurer and Chief Executive Officer 40
Director Key Emp Highest
$84,845 $14,900 $99,745
William Chalfant President of Board 2
Director
$0 $0 $0
Leslie Beidleman Vice President of Board 2
Director
$0 $0 $0
Matthew Zuccarell Secretary of Board 2
Director
$0 $0 $0
Donald Yerks Director 2
Director
$0 $0 $0
Peter Adamson Director 2
Director
$0 $0 $0
Kevin Melvin Director (Feb - Dec) 2
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 No data No data No data No data
2024 $1,068,877 $1,267,324 $19,825,452 $-198,447
2023 $1,039,663 $1,027,664 $21,160,121 $11,999
2022 $1,007,384 $1,055,472 $24,102,536 $-48,088
2021 $1,000,903 $968,362 $23,665,744 $32,541
2020 $962,061 $1,051,067 $22,627,610 $-89,006
2019 $1,020,294 $1,016,686 $20,776,547 $3,608
2018 $1,105,824 $1,085,884 $21,964,103 $19,940
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