URBANA MUNIPICAL EMPLOYEES CREDIT UNION (EIN 370818878) - 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

1950

Legal Domicile

Principal Officer

CATHY GRAVER

Phone

2173370240

Tax Period

2025-01-01 to 2025-12-31

URBANA MUNIPICAL EMPLOYEES CREDIT UNION, founded in 1950, is a small nonprofit that reported $305K in total revenue in fiscal year 2018. Revenue grew 10% year-over-year, indicating healthy expansion. Expenses of $294K left a modest 4% surplus.

Mission

THE MISSION OF THE URBANA MUNICIPAL EMPLOYEES CREDIT UNION IS TO PROVIDE A MEMBER OWNED FINANCIAL INSTITUTION TO ENCOURAGE THRIFT AMONG ITS MEMBERS AND CREATE A SOURCE OF CREDIT AT A REASONABLE RATE OF 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 $293,302

Investment Income $31,736

Other Revenue $0

TOTAL REVENUE $325,038

Expense Breakdown

Grants Paid $0

Salaries & Benefits $100,235

Fundraising Expenses $0

Other Expenses $135,899

TOTAL EXPENSES $236,134

Year-over-Year Comparison

	2025	2024	Change
Revenue	$325,038	$302,119	+0.1%
Expenses	$236,134	$218,551	+0.1%
Net Income	$88,904	$83,568	+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

$51,896

Total Directors

$51,896

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DEBBIE BOSCH WHITT	CHAIRPERSON	1.00	Director	$0	$0	$0
THERESA PLOTNER	DIRECTOR	1.00	Director	$0	$0	$0
KENNETH NAPPER	TREASURER	1.00	Director	$0	$0	$0
THERESA HOFFMAN	VICE CHAIRPERSON	1.00	Director	$0	$0	$0
SANDRA OTT	SECRETARY	1.00	Director	$0	$0	$0
KATHRYN LEVY	DIRECTOR	1.00	Director	$0	$0	$0
CATHY GRAVER	PRESIDENT	37.00	Officer Director	$51,896	$0	$51,896

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	$325,038	$236,134	$4,952,431	$88,904
2024	$302,119	$218,551	$4,227,762	$83,568
2023	$262,797	$251,376	$4,117,579	$11,421
2022	$234,365	$226,751	$4,126,820	$7,614
2021	$253,671	$174,836	$4,600,820	$78,835
2020	$259,678	$199,741	$4,361,465	$59,937
2019	$291,937	$299,437	$3,764,737	$-7,500
2018	$305,127	$294,032	$4,174,494	$11,095

URBANA MUNIPICAL EMPLOYEES CREDIT UNION