Interra Credit Union (EIN 351082578) - 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

1932

Legal Domicile

Phone

5745342506

Tax Period

2024-01-01 to 2024-12-31

Interra Credit Union, founded in 1932, is a major nonprofit that reported $110.7M in total revenue in fiscal year 2024. Revenue grew 17% year-over-year, indicating healthy expansion. Expenses of $106.4M left a modest 4% surplus.

Mission

COOPERATIVE FINANCIAL INSTITUTION WITH A MISSION TO BE OUR MEMBERS' MOST TRUSTED AND VALUED FINANCIAL RESOURCE.

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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 $101,348,902

Investment Income $9,302,757

Other Revenue $0

TOTAL REVENUE $110,651,659

Expense Breakdown

Grants Paid $307,968

Salaries & Benefits $33,339,257

Fundraising Expenses $0

Program Expenses $0

Other Expenses $36,493,550

TOTAL EXPENSES $106,368,256

Year-over-Year Comparison

	2024	2023	Change
Revenue	$110,651,659	$94,735,928	+0.2%
Expenses	$106,368,256	$89,416,733	+0.2%
Net Income	$4,283,403	$5,319,195	-0.2%

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

N/A

Employees

381

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

$3,286,338

Total Directors

$171,000

Key Employees

$1,461,773

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
BRUCE STAHLY	DIRECTOR	1.0	Director	$18,000	$0	$18,000
CARL STOLTZFUS	TREASURER	1.0	Director	$20,000	$0	$20,000
CARMEN SNIDER	DIRECTOR	1.0	Director	$18,000	$0	$18,000
DARIN SHORT	SUPERVISORY COMMITTEE	1.0	Director	$6,000	$0	$6,000
DOUG NISLEY	ASSOCIATE DIRECTOR	1.0	Director	$0	$0	$0
GINA LEICHTY	DIRECTOR	1.0	Director	$18,000	$0	$18,000
JODY SPATARO	ASSOCIATE DIRECTOR	1.0	Director	$0	$0	$0
LAURI NAFZIGER	ASSOCIATE DIRECTOR	1.0	Director	$9,000	$0	$9,000
MICHELLE ADAMS	SUPERVISORY COMMITTEE	1.0	Director	$6,000	$0	$6,000
RANDY ZIMMERLY	SECRETARY	1.0	Director	$20,000	$0	$20,000
SUSAN CRIPE	SUPERVISORY COMMITTEE	1.0	Director	$6,000	$0	$6,000
TIM YODER	CHAIRMAN	1.0	Director	$30,000	$0	$30,000
VINCE BEASLEY	VICE CHAIRMAN	1.0	Director	$20,000	$0	$20,000
AMY SINK	PRESIDENT / CEO	40.0	Officer	$982,192	$503,650	$1,485,842
ANDY MARSHALL	EVP COO	40.0	Officer	$453,958	$123,479	$577,437
DAVID BIRKY	CSO	40.0	Officer	$304,905	$84,354	$389,259
JIM HENNING	CFO	40.0	Officer	$332,711	$103,208	$435,919
PHIL WIENS	CLO	40.0	Officer	$307,612	$90,269	$397,881
DAVID DEKKER	HEAD OF CONSUMER SERVICES	40.0	Key Emp	$212,192	$26,744	$238,936
JOEL RICHARD	CHIEF MEMBER EXPERIENCE OFFICER	40.0	Key Emp	$220,819	$22,676	$243,495
JOHN POTTER	HEAD OF MORTGAGE SERVICES (LEFT 11/19)	40.0	Key Emp	$240,435	$28,436	$268,871
LAURA MILLER	HEAD OF HUMAN RESOURCES (LEFT 11/22)	40.0	Key Emp	$438,121	$26,177	$464,298
MICHAEL BLOSSER	HEAD OF COMMERCIAL SERVICES	40.0	Key Emp	$235,092	$11,081	$246,173
ANGELA PLETCHER	HEAD OF ENTERPRISE RISK MGMT	40.0	Highest	$193,668	$24,547	$218,215
DANIEL CARROLL	HEAD OF CREDIT ADMINISTRATION	40.0	Highest	$211,367	$22,357	$233,724
JASON GOLDEN	AGRIBUSINESS LENDER IV	40.0	Highest	$190,413	$23,631	$214,044
JENNIFER KLEIN	HEAD OF FINANCE & DEPOSIT OPERATIONS (LEFT 7/10)	40.0	Highest	$213,303	$9,687	$222,990
RANDY LEHMAN	MANAGER OF COMMERCIAL LENDING	40.0	Highest	$192,647	$18,902	$211,549

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	$110,651,659	$106,368,256	$1,889,737,584	$4,283,403
2023	$94,735,928	$89,416,733	$1,789,697,665	$5,319,195
2022	$78,567,352	$65,410,787	$1,729,309,685	$13,156,565
2021	$68,430,398	$56,116,915	$1,620,181,637	$12,313,483
2020	$67,652,585	$58,651,061	$1,400,460,265	$9,001,524
2019	$66,566,659	$54,938,994	$1,204,756,193	$11,627,665
2018	$58,802,172	$50,159,667	$1,161,804,270	$8,642,505

Interra Credit Union