EVANSTON FIREMENS CREDIT UNION (EIN 366089357) - 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

1940

Legal Domicile

Principal Officer

CURT KOOPMAN

Phone

8478665920

Tax Period

2025-01-01 to 2025-12-31

EVANSTON FIREMENS CREDIT UNION, founded in 1940, is a micro nonprofit that reported $54K in total revenue in fiscal year 2025. Revenue decreased 12% compared to the prior year. Net assets of $318K represent 70 months of operating reserves.

Mission

TO PROVIDE QUALIFYING MEMBERS LOW COST LOANS AND ACCOUNTS WITH ANNUAL DIVIDENDS AND INTEREST.

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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 $22,395

Investment Income $27,568

Other Revenue $4,349

TOTAL REVENUE $54,312

Expense Breakdown

Grants Paid $0

Salaries & Benefits $19,377

Fundraising Expenses $0

Other Expenses $34,222

TOTAL EXPENSES $53,599

Year-over-Year Comparison

	2025	2024	Change
Revenue	$54,312	$62,051	-0.1%
Expenses	$53,599	$60,210	-0.1%
Net Income	$713	$1,841	-0.6%

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

N/A

Volunteers

N/A

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
CURT KOOPMAN	CHAIR/TREASURER	25.00	Officer Director	$0	$0	$0
DERON DAUGHERTY	VICE CHAIR/SECRETARY	2.00	Officer Director	$0	$0	$0
MARTIN RAFACZ	BOARD MEMBER	2.00	Director	$0	$0	$0
COURTNEY EDWARDS	BOARD MEMBER	2.00	Director	$0	$0	$0
JUSTIN NORRIS	BOARD MEMBER	2.00	Director	$0	$0	$0
BRANDON BARTS	BOARD MEMBER	2.00	Director	$0	$0	$0
ZACH CASCARANO	BOARD MEMBER	2.00	Director	$0	$0	$0
TYLER GRAHAM	BOARD MEMBER	2.00	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	$54,312	$53,599	$2,077,536	$713
2024	$62,051	$60,210	$2,103,322	$1,841
2023	$63,678	$62,019	$2,368,143	$1,659
2022	$52,291	$50,981	$2,458,268	$1,310
2021	$50,067	$49,044	$2,401,306	$1,023
2020	$61,257	$56,953	$2,380,829	$4,304
2019	$65,398	$61,656	$2,110,258	$3,742
2018	$72,663	$65,988	$1,884,671	$6,675

EVANSTON FIREMENS CREDIT UNION