BLACKHAWK AREA CU (EIN 366091357) - 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

Rhonda Schroeder

Phone

8152734503

Tax Period

2025-01-01 to 2025-12-31

BLACKHAWK AREA CU, founded in 1935, is a community nonprofit that reported $2.1M in total revenue in fiscal year 2025. The organization ran a surplus of $434K, a strong 21% operating margin.

Mission

Credit Union operated for mutual purposes.

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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 $1,762,968

Investment Income $331,862

Other Revenue $0

TOTAL REVENUE $2,094,830

Expense Breakdown

Grants Paid $0

Salaries & Benefits $934,899

Fundraising Expenses $0

Program Expenses $0

Other Expenses $726,133

TOTAL EXPENSES $1,661,032

Year-over-Year Comparison

	2025	2024	Change
Revenue	$2,094,830	$2,178,867	0.0%
Expenses	$1,661,032	$1,722,770	0.0%
Net Income	$433,798	$456,097	0.0%

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

N/A

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

$160,630

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Rhonda Schroeder	CEO	40	Officer	$108,140	$0	$108,140
Donna Deets	Credit Manager	38	Officer	$52,490	$0	$52,490
Marleen Andersen	Board Member	0	Director	$0	$0	$0
Jeffrey Griswold	Board Member	0	Director	$0	$0	$0
Wilfred Schramm	Board Member	0	Director	$0	$0	$0
Debbi Hunter	Treasurer	0	Director	$0	$0	$0
Steve Venhuizen	Board Member	0	Director	$0	$0	$0
Mary Ostendorf	Secretary	0	Director	$0	$0	$0
Leonard Sheaffer	Vice Chairperson	0	Director	$0	$0	$0
Brittany Hatteberg	Board Member	0	Director	$0	$0	$0
Beth Wiegmann	Chairperson	0	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	$2,094,830	$1,661,032	$39,325,093	$433,798
2024	No data	No data	No data	No data
2023	$2,171,881	$1,635,081	$40,050,532	$536,800
2022	$1,907,031	$1,571,638	$43,546,962	$335,393
2021	$1,720,364	$1,484,181	$44,108,339	$236,183
2020	$1,503,007	$1,435,221	$40,360,049	$67,786
2019	$1,629,051	$1,519,962	$33,863,489	$109,089
2018	$1,553,828	$1,421,998	$33,561,901	$131,830

BLACKHAWK AREA CU