OSHKOSH COMMUNITY CREDIT UNION

EIN: 390919640

OSHKOSH, WI

Total Revenue
$1,410,112
Total Expenses
$1,322,062
Total Assets
$19,966,786
Net Assets
$2,251,578
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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
1936
Legal Domicile
WI
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.

Program Service Accomplishments

Program 1

THE CREDIT UNION HAS VARIOUS TYPES OF DEPOSIT ACCOUNTS AVAILABLE FOR OUR MEMBERS. WE OPENED 203 NEW DEPOSIT ACCOUNTS IN 2025. AS OF 12/31/25 WE HAD 3,125 MEMBERS.

Program 2

THE CREDIT UNION HAS SEVERAL TYPES OF LOAN PROGRAMS AVAILABLE FOR OUR MEMBERS. WE FUNDED 346 NEW LOANS TO OUR MEMBERS DURING 2025. AS OF 12/31/25 WE HAD 1,594 LOANS TO OUR MEMBERS.

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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 $1,215,992
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
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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
7
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
5
$80,556
Total Directors
5
$80,556
Key Employees
0
$0
Highest Compensated
0
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
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