IRON COUNTY COMMUNITY CREDIT UNION

EIN: 390833053

HURLEY, WI

Total Revenue
$2,868,454
Total Expenses
$2,239,141
Total Assets
$45,479,714
Net Assets
$8,142,433
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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
WI
Principal Officer
HEATHER VERBOS
Phone
7155612842
Tax Period
2025-01-01 to 2025-12-31

IRON COUNTY COMMUNITY CREDIT UNION, founded in 1950, is a community nonprofit that reported $2.9M in total revenue in fiscal year 2025. The organization ran a surplus of $629K, a strong 22% operating margin.

Mission

THE IRON COUNTY COMMUNITY CREDIT UNION IS A MEMBER-OWNED COMMUNITY BASED FINANCIAL CO-OPERATIVE, WHOSE GOAL IS TO BECOME ITS MEMBERS' PREFERRED FINANCIAL INSTITUTION, OFFERING A REASONABLE RANGE OF FINANCIAL SERVICES AT FAIR AND REASONABLE RATES.

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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 $2,401,790
Investment Income $461,731
Other Revenue $4,933
TOTAL REVENUE $2,868,454

Expense Breakdown

Grants Paid $1,000
Salaries & Benefits $506,724
Fundraising Expenses $0
Other Expenses $1,731,417
TOTAL EXPENSES $2,239,141

Year-over-Year Comparison

2025 2024 Change
Revenue $2,868,454 $2,698,002 +0.1%
Expenses $2,239,141 $1,544,555 +0.4%
Net Income $629,313 $1,153,447 -0.5%
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

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Governance

Voting Members
4
Independent Members
4
Employees
16
Volunteers
5

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
8
$200,537
Total Directors
6
$0
Key Employees
0
$0
Highest Compensated
0
reported
Name Title Hours/Week Role Reportable Comp Other Comp Total
HEATHER VERBOS PRESIDENT 40.00
Officer
$85,609 $14,998 $100,607
MICKI ROWE VICE PRESIDE 40.00
Officer
$54,729 $13,812 $68,541
MARK MARCZAK PRIOR PRESID 40.00
Officer
$27,813 $3,576 $31,389
SUSAN WOLFE CHAIR 0.50
Officer Director
$0 $0 $0
DANEIL SOINE TREASURER 0.50
Officer Director
$0 $0 $0
AUTUMN HILL SECRETARY 0.50
Officer Director
$0 $0 $0
DAVID DECARLO DIRECTOR 0.50
Director
$0 $0 $0
NANCY LUNDQUIST PAST VICE CH 0.50
Officer Director
$0 $0 $0
KARI KLEMME PAST SECRETA 0.50
Officer 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 $2,868,454 $2,239,141 $45,479,714 $629,313
2024 $2,698,002 $1,544,555 $43,331,294 $1,153,447
2023 $2,454,870 $1,472,911 $41,376,557 $981,959
2022 $1,569,046 $1,018,090 $43,715,405 $550,956
2021 $1,217,058 $797,937 $44,331,710 $419,121
2020 $1,276,729 $893,850 $35,407,810 $382,879
2019 $1,386,417 $873,196 $28,283,257 $513,221
2018 $1,245,019 $919,148 $25,888,935 $325,871
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