ROCKFORD BELL CREDIT UNION (EIN 361695055) - 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

Sean Rathjen

Phone

8472655520

Tax Period

2024-01-01 to 2024-09-30

Mission

Rockford Bell Credit Union provides loans, savings accounts and other financial services.

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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 $0

Investment Income $0

Other Revenue $0

TOTAL REVENUE $0

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $0

Other Expenses $0

TOTAL EXPENSES $0

Year-over-Year Comparison

	2024	2023	Change
Revenue	N/A	$1,827,159	-1.0%
Expenses	N/A	$1,743,818	-1.0%
Net Income	N/A	$83,341	N/A

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

$107,984

Total Directors

$107,984

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
John Hansen	President CEO	40	Officer Director	$87,624	$20,360	$107,984
Alexis B J	Secretary	1	Officer Director	$0	$0	$0
Conness Donald	Chairperson	1	Officer Director	$0	$0	$0
Davis Dennis	Board Members	1	Director	$0	$0	$0
Gioppo Daniel	Board Member	1	Director	$0	$0	$0
Langkamp Duane	Treasurer	1	Officer Director	$0	$0	$0
Thompson John	Board Member	1	Director	$0	$0	$0
Finfrock II John	Board Member	1	Director	$0	$0	$0
Haas Walter	Vice Chairperson	1	Officer Director	$0	$0	$0
Labash Ferol	Board Member	1	Director	$0	$0	$0
Buhlmann Edward	Board Member	1	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	No data	No data	No data	No data
2023	$1,827,159	$1,743,818	$39,133,927	$83,341
2022	$1,534,799	$1,528,237	$43,975,150	$6,562
2021	$1,661,901	$1,531,328	$48,527,068	$130,573
2020	$1,512,205	$1,496,664	$41,805,364	$15,541
2019	$1,540,132	$1,513,275	$33,307,802	$26,857
2018	$1,474,085	$1,467,297	$31,876,009	$6,788

ROCKFORD BELL CREDIT UNION