MCU FINANCIAL SERVICES CREDIT UNION

EIN: 390891442

RACINE, WI

Total Revenue
$1,676,760
Total Expenses
$1,447,010
Total Assets
$30,139,391
Net Assets
$3,220,535
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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
1939
Legal Domicile
WI
Principal Officer
BRANNAN HOOD
Phone
2626346691
Tax Period
2025-01-01 to 2025-12-31

MCU FINANCIAL SERVICES CREDIT UNION, founded in 1939, is a community nonprofit that reported $1.7M in total revenue in fiscal year 2025. Revenue grew 10% year-over-year, indicating healthy expansion. Expenses of $1.4M left a modest 14% surplus.

Mission

TO PROVIDE SECURE, CONVENIENT AND QUALITY FINANCIAL SERVICES, IN AN ECONOMICALLY SOUND MANNER, TO ALL PRESENT AND POTENTIAL MEMBERS.

Program Service Accomplishments

Program 1

THE CREDIT UNION HAS VARIOUS TYPES OF DEPOSIT ACCOUNTS AVAILABLE FOR OUR MEMBERS. WE OPENED 346 NEW DEPOSIT ACCOUNTS IN 2025. AS OF 12/31/25 WE HAD 2,751 MEMBERS.

Program 2

THE CREDIT UNION HAS SEVERAL TYPES OF LOAN PROGRAMS AVAILABLE FOR OUR MEMBERS. WE FUNDED 406 NEW LOANS DURING 2025. AS OF 12/31/25 WE HAD 1,739 OUSTANDING LOANS RECEIVABLE.

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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 $1,352,925
Investment Income $302,032
Other Revenue $21,803
TOTAL REVENUE $1,676,760

Expense Breakdown

Grants Paid $0
Salaries & Benefits $528,962
Fundraising Expenses $0
Other Expenses $918,048
TOTAL EXPENSES $1,447,010

Year-over-Year Comparison

2025 2024 Change
Revenue $1,676,760 $1,520,465 +0.1%
Expenses $1,447,010 $1,341,289 +0.1%
Net Income $229,750 $179,176 +0.3%
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
5
Independent Members
4
Employees
10
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
4
$83,618
Total Directors
5
$83,618
Key Employees
0
$0
Highest Compensated
0
reported
Name Title Hours/Week Role Reportable Comp Other Comp Total
BRANNAN HOOD PRESIDENT/CE 45.00
Officer Director
$81,757 $1,861 $83,618
JEFFERY PASSARELLI CHAIR 0.50
Officer Director
$0 $0 $0
STEVEN WYMA VICE CHAIR 0.50
Officer Director
$0 $0 $0
RYAN ANDERSON SECRETARY/TR 0.50
Officer Director
$0 $0 $0
JOSEPH GRAUWELS DIRECTOR 0.50
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 $1,676,760 $1,447,010 $30,139,391 $229,750
2024 $1,520,465 $1,341,289 $29,755,104 $179,176
2023 $1,277,581 $1,137,472 $28,919,281 $140,109
2022 $1,012,908 $955,492 $30,011,579 $57,416
2021 $964,025 $883,753 $29,257,951 $80,272
2020 $985,138 $849,783 $30,071,851 $135,355
2019 $952,343 $766,472 $23,558,478 $185,871
2018 $885,741 $793,213 $23,163,174 $92,528
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