MOLINE MUNICIPAL CREDIT UNION (EIN 361495026) - 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

1935

Legal Domicile

Principal Officer

CONNIE ADKISON

Phone

3097972185

Tax Period

2025-01-01 to 2025-12-31

MOLINE MUNICIPAL CREDIT UNION, founded in 1935, is a community nonprofit that reported $1.7M in total revenue in fiscal year 2018. Revenue grew 13% year-over-year, indicating healthy expansion. The organization ran a surplus of $388K, a strong 23% operating margin.

Mission

MEMBER SERVICES TO ASSIST OUR MEMBERS IN THE MANAGEMENT OF THEIR FINANCIAL WELL-BEING BY PROVIDING LOANS, SAVINGS ACCOUNTS AND OTHER

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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 $2,773,699

Investment Income $544,599

Other Revenue $0

TOTAL REVENUE $3,318,298

Expense Breakdown

Grants Paid $0

Salaries & Benefits $959,383

Fundraising Expenses $0

Other Expenses $1,773,340

TOTAL EXPENSES $2,732,723

Year-over-Year Comparison

	2025	2024	Change
Revenue	$3,318,298	$2,802,160	+0.2%
Expenses	$2,732,723	$2,160,247	+0.3%
Net Income	$585,575	$641,913	-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

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

$204,750

Total Directors

$204,750

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CONNIE ADKISON	CEO/TREAS	40.00	Officer Director Highest	$204,750	$0	$204,750
JOBST SCHULTE JR	DIRECTOR	5.00	Director	$0	$0	$0
SCOTT WILLIAMS	VICE CHAIR	5.00	Officer Director	$0	$0	$0
BRIAN VYNCKE	CHAIRPERSON	5.00	Officer Director	$0	$0	$0
KRIS HODGERSON	DIRECTOR	5.00	Director	$0	$0	$0
CHRISTIE DIEKMAN	DIRECTOR	5.00	Director	$0	$0	$0
KEVIN RAFFERTY	SECRETARY	5.00	Officer Director	$0	$0	$0
ROLAND BRAND	DIRECTOR	5.00	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	$3,318,298	$2,732,723	$66,631,599	$585,575
2024	$2,802,160	$2,160,247	$52,550,032	$641,913
2023	$2,490,528	$1,771,422	$49,731,536	$719,106
2022	$2,032,015	$1,605,389	$50,396,257	$426,626
2021	$1,891,299	$1,506,467	$53,033,580	$384,832
2020	$1,782,353	$1,589,690	$49,343,257	$192,663
2019	$1,846,646	$1,525,828	$40,544,024	$320,818
2018	$1,715,226	$1,327,219	$34,636,012	$388,007

MOLINE MUNICIPAL CREDIT UNION