CREDIT UNIONS CHARTERED IN THE STATE OF MI MONTCALM PUBLIC EMPLOYEES (EIN 382118029) - 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

1966

Legal Domicile

Principal Officer

Lisa J Longnecker

Phone

9894275663

Tax Period

2025-01-01 to 2025-12-31

CREDIT UNIONS CHARTERED IN THE STATE OF MI MONTCALM PUBLIC EMPLOYEES, founded in 1966, is a community nonprofit that reported $1.1M in total revenue in fiscal year 2025. Revenue grew 8% year-over-year, indicating healthy expansion. The organization ran a surplus of $251K, a strong 22% operating margin.

Mission

TO BECOME MEMBERS' PRIMARY FINANCIAL INSTITUTION BY PROVIDING RELIABLE, COMPREHENSIVE, COURTEOUS, AND PROMPT SERVICE THAT IS COMPETITIVE WITH THE MARKET AND IN TUNE WITH MEMBERS' NEEDS - PEOPLE HELPING PEOPLE.

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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 $600,385

Investment Income $535,619

Other Revenue $0

TOTAL REVENUE $1,136,004

Expense Breakdown

Grants Paid $0

Salaries & Benefits $345,264

Fundraising Expenses $0

Other Expenses $540,092

TOTAL EXPENSES $885,356

Year-over-Year Comparison

	2025	2024	Change
Revenue	$1,136,004	$1,049,617	+0.1%
Expenses	$885,356	$728,810	+0.2%
Net Income	$250,648	$320,807	-0.2%

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

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

$112,365

Total Directors

$112,365

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
LISA LONGNECKER	CEO	40.00	Officer Director	$69,078	$43,287	$112,365
WILLIAM L MOORE	Chairman	1.00	Director	$0	$0	$0
SHARRON FARRELL	Director	1.00	Director	$0	$0	$0
CHERYL WILLIS	Secretary	1.00	Director	$0	$0	$0
JOIE WITHEY	Director	1.00	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	$1,136,004	$885,356	$25,929,585	$250,648
2024	$1,049,617	$728,810	$24,133,194	$320,807
2023	$864,834	$635,417	$24,118,592	$229,417
2022	$694,784	$493,891	$22,017,509	$200,893
2021	$632,046	$459,424	$21,183,552	$172,622
2020	$635,081	$482,883	$18,681,447	$152,198
2019	$646,683	$453,849	$15,985,250	$192,834
2018	$602,068	$451,077	$14,580,907	$150,991

CREDIT UNIONS CHARTERED IN THE STATE OF MI MONTCALM PUBLIC EMPLOYEES