FEDERAL EMPLOYEES OF CHIPPEWA COUNTY CREDIT UNION (EIN 381652510) - 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

1957

Legal Domicile

Principal Officer

BRAD BISDORF

Phone

9066324210

Tax Period

2023-01-01 to 2023-12-31

FEDERAL EMPLOYEES OF CHIPPEWA COUNTY CREDIT UNION, founded in 1957, is a small nonprofit that reported $778K in total revenue in fiscal year 2023. Revenue surged 44% from the prior year, signaling strong growth momentum. The organization ran a surplus of $336K, a strong 43% operating margin.

Mission

PROMOTE THRIFT AMONG ITS MEMBERS AND TO CREATE A SOURCE OF CREDIT FOR THEM AT LEGITIMATE RATES OF INTEREST FOR PROVIDENT 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 (2023)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $524,808

Investment Income $235,024

Other Revenue $17,970

TOTAL REVENUE $777,802

Expense Breakdown

Grants Paid $0

Salaries & Benefits $211,411

Fundraising Expenses $0

Other Expenses $230,118

TOTAL EXPENSES $441,529

Year-over-Year Comparison

	2023	2022	Change
Revenue	$777,802	$541,573	+0.4%
Expenses	$441,529	$387,360	+0.1%
Net Income	$336,273	$154,213	+1.2%

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

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
SABRINA OSHELSKI	MANAGER/CEO	40.00		$116,946	$3,943	$120,889
JOLENE DEPLONTY	TREASURER	N/A	Officer Director	$0	$0	$0
BOBBIE LIVERMORE	VICE-CHAIRPE	N/A	Officer Director	$0	$0	$0
DESIREE MCCURLEY	DIRECTOR	N/A	Director	$0	$0	$0
KALI PERRON	CHAIRPERSON	N/A	Director	$0	$0	$0
SUSAN WILLIAMS	SECRETARY	N/A	Officer Director	$0	$0	$0
BRAD BISDORF	VP OF FINANC	40.00	Officer	$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
2023	$777,802	$441,529	No data	$336,273
2022	$541,573	$387,360	$16,629,347	$154,213
2021	$459,371	$406,889	$14,887,076	$52,482
2020	$476,793	$391,867	$14,872,119	$84,926
2019	$502,661	$401,253	$12,019,947	$101,408
2018	$480,666	$434,906	$11,374,502	$45,760

FEDERAL EMPLOYEES OF CHIPPEWA COUNTY CREDIT UNION