MINNESOTA CREDIT UNION EMPLOYEE BE… - Form 990 Financial Data

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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

2019

Legal Domicile

Principal Officer

AARON DEJONG

Phone

6512885511

Tax Period

2024-01-01 to 2024-12-31

MINNESOTA CREDIT UNION EMPLOYEE BENEFITS PLAN TRUST, founded in 2019, is a community nonprofit in the Mutual Benefit sector that reported $6.3M in total revenue in fiscal year 2024. Revenue decreased 7% compared to the prior year.

Mission

TO PROVIDE HEALTH CARE AND OTHER BENEFITS TO MEMBER CREDIT UNION'S EMPLOYEES AND FAMILIES.

Program Service Accomplishments

Program 1

THE TRUST PROVIDES HEALTH CARE AND OTHER BENEFITS TO MEMBER CREDIT UNION'S EMPLOYEES AND FAMILIES. THE TRUST HAD A TOTAL OF 445 ACTIVE PARTICIPANTS AS OF DECEMBER 31, 2024.

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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 $6,311,269

Investment Income $0

Other Revenue $0

TOTAL REVENUE $6,311,269

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $0

TOTAL EXPENSES $6,311,269

Year-over-Year Comparison

	2024	2023	Change
Revenue	$6,311,269	$6,796,382	-0.1%
Expenses	$6,311,269	$6,796,392	-0.1%
Net Income	$0	$-10	-1.0%

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
AARON DEJONG	CHAIR	0.15	Officer Director	$0	$0	$0
AMANDA NESS	TRUSTEE	0.15	Director	$0	$0	$0
MARY MATHESON	TRUSTEE	0.15	Director	$0	$0	$0
MARA HUMPHREY	TRUSTEE	0.15	Director	$0	$0	$0
KRIS JACOBSEN	TRUSTEE	0.15	Director	$0	$0	$0
JAY GOSTONCZIK	TRUSTEE	0.15	Director	$0	$0	$0
RANDY WILLERT	TRUSTEE	0.15	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	$6,311,269	$6,311,269	$579,684	No data

MINNESOTA CREDIT UNION EMPLOYEE BENEFITS PLAN TRUST