MCU FINANCIAL SERVICES CREDIT UNION (EIN 390891442) - Form 990 Financial Analysis & Trantor Score

🔒

Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

Sign in with your work email to view Tuckman-Chang indicators

Financial Trends

Organization Details

Formation Year

1939

Legal Domicile

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.

🔒

Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

Sign in to view Trantor Score and financial metrics

Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

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

🔒

Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

Sign in to view all financial metrics

Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

Governance

Voting Members

Independent Members

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

$83,618

Total Directors

$83,618

Key Employees

Highest Compensated

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

MCU FINANCIAL SERVICES CREDIT UNION