GENERATIONS CREDIT UNION (EIN 362334218) - 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

1944

Legal Domicile

Principal Officer

Karen Jurasek

Phone

8153162900

Tax Period

2025-01-01 to 2025-12-31

GENERATIONS CREDIT UNION, founded in 1944, is a community nonprofit that reported $1.3M in total revenue in fiscal year 2025. Expenses of $1.1M left a modest 13% surplus.

Mission

To provide to our members high quality full line of financial services, such as loans and savings accounts at the lowest cost and highest rate of return, delivered in a personal, friendly atmosphere.

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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 $860,579

Investment Income $394,149

Other Revenue $0

TOTAL REVENUE $1,254,728

Expense Breakdown

Grants Paid $0

Salaries & Benefits $404,707

Fundraising Expenses $0

Program Expenses $1,096,106

Other Expenses $691,399

TOTAL EXPENSES $1,096,106

Year-over-Year Comparison

	2025	2024	Change
Revenue	$1,254,728	$1,162,673	+0.1%
Expenses	$1,096,106	$1,126,847	0.0%
Net Income	$158,622	$35,826	+3.4%

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

$110,375

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Karen Jurasek	President - Treasurer	45	Officer	$99,317	$11,058	$110,375
Dale Hillers	Chairman of the Board	2	Director	$0	$0	$0
Robert Boyd	Board Member	2	Director	$0	$0	$0
Joanna Peterson	Secretary	2	Director	$0	$0	$0
Randall Freding	Board Member	2	Director	$0	$0	$0
Gary Askegaard	Board Member	2	Director	$0	$0	$0
Jolene Unangst	Board Member	2	Director	$0	$0	$0
Donald Fiedler	Board Vice-Chairman	2	Director	$0	$0	$0
Christopher Dausman	Board Member	0	Director	$0	$0	$0
Ethan Watts	Board Member	2	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	$1,254,728	$1,096,106	$22,397,067	$158,622
2024	No data	No data	No data	No data
2023	$989,125	$887,601	$22,011,632	$101,524
2022	$938,123	$836,340	$21,406,121	$101,783
2021	$1,101,938	$859,014	$21,344,613	$242,924
2020	$897,250	$858,428	$19,933,181	$38,822
2019	$900,413	$847,057	$18,490,100	$53,356
2018	$838,600	$820,417	$18,562,989	$18,183

GENERATIONS CREDIT UNION