OSHKOSH COMMUNITY CREDIT UNION (EIN 390919640) - 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

1936

Legal Domicile

Principal Officer

JENNIFER STRANGE

Phone

9202331952

Tax Period

2025-01-01 to 2025-12-31

OSHKOSH COMMUNITY CREDIT UNION, founded in 1936, is a community nonprofit that reported $1.4M in total revenue in fiscal year 2025. Revenue grew 11% year-over-year, indicating healthy expansion. Expenses of $1.3M left a modest 6% surplus.

Mission

OSHKOSH COMMUNITY CREDIT UNION IS A MEMBER-OWNED FINANCIAL INSTITUTION DEDICATED TO PROVIDING THE HIGHEST LEVEL OF SERVICE TO MEET ITS' MEMBERS NEEDS.

🔒

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 $1,215,992

Investment Income $192,041

Other Revenue $2,079

TOTAL REVENUE $1,410,112

Expense Breakdown

Grants Paid $0

Salaries & Benefits $288,009

Fundraising Expenses $0

Other Expenses $1,034,053

TOTAL EXPENSES $1,322,062

Year-over-Year Comparison

	2025	2024	Change
Revenue	$1,410,112	$1,270,396	+0.1%
Expenses	$1,322,062	$1,115,391	+0.2%
Net Income	$88,050	$155,005	-0.4%

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

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

$80,556

Total Directors

$80,556

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JENNIFER STRANGE	PRESIDENT &	55.00	Officer Director	$75,343	$5,213	$80,556
BRADLEY HUNTER	CHAIR	2.00	Officer Director	$0	$0	$0
NANCY JUDKINS	VICE CHAIR	1.00	Officer Director	$0	$0	$0
JOYCE ANDERSON	TREASURER	2.00	Officer Director	$0	$0	$0
BRADFORD WILLIAMS	SECRETARY	1.00	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	$1,410,112	$1,322,062	$19,966,786	$88,050
2024	$1,270,396	$1,115,391	$21,792,628	$155,005
2023	$1,124,880	$982,738	$20,766,720	$142,142
2022	$999,743	$899,068	$22,164,380	$100,675
2021	$961,858	$961,682	$24,298,608	$176
2020	$1,045,535	$1,109,037	$24,746,935	$-63,502
2019	$1,157,826	$1,091,052	$20,429,633	$66,774
2018	$1,097,458	$1,014,639	$18,560,817	$82,819

OSHKOSH COMMUNITY CREDIT UNION