MERCER CREDIT UNION (EIN 362717304) - 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

1969

Legal Domicile

Principal Officer

Tiffany Hudson

Phone

3095822005

Tax Period

2025-01-01 to 2025-12-31

MERCER CREDIT UNION, founded in 1969, is a small nonprofit that reported $119K in total revenue in fiscal year 2025. Expenses of $105K left a modest 12% surplus.

Mission

To assist our members in the management of their financial well-being by providing loans, savings accounts and other financial 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 $98,018

Investment Income $21,385

Other Revenue $0

TOTAL REVENUE $119,403

Expense Breakdown

Grants Paid $0

Salaries & Benefits $29,380

Fundraising Expenses $0

Program Expenses $0

Other Expenses $75,512

TOTAL EXPENSES $104,892

Year-over-Year Comparison

	2025	2024	Change
Revenue	$119,403	$112,583	+0.1%
Expenses	$104,892	$99,828	+0.1%
Net Income	$14,511	$12,755	+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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Dennis Runbom	Director	2	Director	$0	$0	$0
Ray Leng	Director	2	Director	$0	$0	$0
Dennis Mellgren	Director	2	Director	$0	$0	$0
Barbara Reick	Director	2	Director	$0	$0	$0
Diana Eggen	Secretary	2	Officer Director	$0	$0	$0
Robert Stockham	Chairman of the Board	2	Officer Director	$0	$0	$0
Myron Higgins	Vice Chairman	2	Officer Director	$0	$0	$0
Vickie Seefeld	Director	2	Director	$0	$0	$0
Darla Phelps	Director	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	$119,403	$104,892	$2,528,652	$14,511
2024	No data	No data	No data	No data
2023	$97,508	$95,329	$2,762,042	$2,179
2022	$80,914	$72,676	$2,843,542	$8,238
2021	$93,213	$77,717	$3,016,804	$15,496
2020	$86,695	$82,302	$2,986,871	$4,393

MERCER CREDIT UNION