OSHKOSH TRUCK CREDIT UNION (EIN 390853308) - 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

1952

Legal Domicile

Principal Officer

SARA STEICHEN

Phone

9208307200

Tax Period

2020-01-01 to 2020-02-29

OSHKOSH TRUCK CREDIT UNION, founded in 1952, is a small nonprofit that reported $119K in total revenue in fiscal year 2019. Revenue fell 82% from the prior year — a significant decline worth monitoring. Expenses of $873K exceeded revenue, resulting in a 633% operating deficit.

Mission

A NOT-FOR-PROFIT, MEMBER-OWNED ORGANIZATION DEDICATED TO PROVIDING ITS MEMBERS FINANCIAL PRODUCTS AND SERVICES IN A PERSONAL AND PROFESSIONAL MANNER, MAKING LOANS AT COMPETITIVE RATES, ENCOURAGING REGULAR SAVINGS, AND MAINTAINING THE CREDIT UNIONS LONG-TERM FINANCIAL STABILITY.

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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 (2019)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $84,734

Investment Income $33,652

Other Revenue $764

TOTAL REVENUE $119,150

Expense Breakdown

Grants Paid $100

Salaries & Benefits $181,358

Fundraising Expenses $0

Other Expenses $691,802

TOTAL EXPENSES $873,260

Year-over-Year Comparison

	2019	2018	Change
Revenue	$119,150	$676,326	-0.8%
Expenses	$873,260	$656,053	+0.3%
Net Income	$-754,110	$20,273	-38.2%

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

$40,452

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JOE HOINACKI	CHAIR	1.00	Officer Director	$0	$0	$0
KEITH BERHOLTZ	VICE CHAIR	1.00	Officer Director	$0	$0	$0
SALLY LAABS	SECRETARY	1.00	Officer Director	$0	$0	$0
FRED HAMMEL	DIRECTOR	1.00	Director	$0	$0	$0
DONNA WEBB	DIRECTOR	1.00	Director	$0	$0	$0
JEFF SCHETTL	DIRECTOR	1.00	Director	$0	$0	$0
SARA STEICHEN	PRESIDENT/CE	42.00	Officer	$35,328	$5,124	$40,452

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
2020	$119,150	$873,260	No data	$-754,110
2019	$676,326	$656,053	$15,514,961	$20,273
2018	$663,374	$649,158	$15,464,058	$14,216

OSHKOSH TRUCK CREDIT UNION