LINXUS CREDIT UNION (EIN 361695980) - 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

1927

Legal Domicile

Principal Officer

Tracy Beyer

Phone

8152828711

Tax Period

2025-01-01 to 2025-12-31

LINXUS CREDIT UNION, founded in 1927, is a small nonprofit that reported $883K in total revenue in fiscal year 2025. Expenses of $839K left a modest 5% surplus.

Mission

To assist our members in the management of their financial well being by providing loans, savings, checking, and other financial products and services in a friendly and professional manner.

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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 $430,393

Investment Income $453,055

Other Revenue $0

TOTAL REVENUE $883,448

Expense Breakdown

Grants Paid $0

Salaries & Benefits $327,294

Fundraising Expenses $0

Program Expenses $0

Other Expenses $511,389

TOTAL EXPENSES $838,683

Year-over-Year Comparison

	2025	2024	Change
Revenue	$883,448	$869,241	+0.0%
Expenses	$838,683	$836,043	+0.0%
Net Income	$44,765	$33,198	+0.3%

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

$106,634

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Tracy Beyer	President	40	Officer	$106,634	$0	$106,634
Clectice Templeman	Director	1	Director	$0	$0	$0
Mike Johnson	Treasurer	1	Director	$0	$0	$0
Kirk Gille	Chairman	3	Director	$0	$0	$0
Philip Pfeifer	Vice Chairman	3	Director	$0	$0	$0
Pauletta Franta	Secretary	1	Director	$0	$0	$0
Maria Cole	Director	1	Director	$0	$0	$0
Matt Malone	Director	1	Director	$0	$0	$0
Terri Ekberg	Director	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
2025	$883,448	$838,683	$17,869,679	$44,765
2024	$869,241	$836,043	$17,485,477	$33,198
2023	$754,778	$733,133	$17,083,958	$21,645
2022	$655,041	$580,104	$19,159,819	$74,937
2021	$540,481	$537,387	$20,188,491	$3,094
2020	$616,360	$604,522	$18,580,742	$11,838
2019	$672,928	$653,947	$17,224,326	$18,981
2018	$613,530	$564,055	$18,118,174	$49,475

LINXUS CREDIT UNION