URBANA MUNIPICAL EMPLOYEES CREDIT UNION

EIN: 370818878

URBANA, IL

Total Revenue
$325,038
Total Expenses
$236,134
Total Assets
$4,952,431
Net Assets
$709,789
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Financial Vulnerability Assessment (Tuckman-Chang)

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Financial Trends

Organization Details

Formation Year
1950
Legal Domicile
IL
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 $325K in total revenue in fiscal year 2025. The organization ran a surplus of $89K, a strong 27% operating margin.

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.

Program Service Accomplishments

Program 1

PROVIDED CONSUMER LENDING AND RECEIVED DEPOSITS FROM THE CREDIT UNION MEMBERSHIP. THE CREDIT UNION SERVICES IN EXCESS OF 900 MEMBER SHARE TYPE ACCOUNTS AND 400 LOAN ACCOUNTS.

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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%)

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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

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Liquidity & Cash Position

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Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

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Governance

Voting Members
7
Independent Members
6
Employees
2
Volunteers
6

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
1
$51,896
Total Directors
7
$51,896
Key Employees
0
$0
Highest Compensated
0
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
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