TAYLOR CREDIT UNION (EIN 390931830) - 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

1951

Legal Domicile

Principal Officer

DANIEL KRAUSE

Phone

7157482447

Tax Period

2025-01-01 to 2025-12-31

TAYLOR CREDIT UNION, founded in 1951, is a community nonprofit that reported $4.8M in total revenue in fiscal year 2025. Revenue grew 9% year-over-year, indicating healthy expansion. The organization ran a surplus of $732K, a strong 15% operating margin.

Mission

PASSIONATE TO SEE YOU SUCCEED THROUGH YOUR LIFES JOURNEY.

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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 (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $3,569,477

Investment Income $1,237,260

Other Revenue $8,031

TOTAL REVENUE $4,814,768

Expense Breakdown

Grants Paid $4,100

Salaries & Benefits $1,541,559

Fundraising Expenses $0

Other Expenses $2,537,329

TOTAL EXPENSES $4,082,988

Year-over-Year Comparison

	2025	2024	Change
Revenue	$4,814,768	$4,425,125	+0.1%
Expenses	$4,082,988	$3,742,756	+0.1%
Net Income	$731,780	$682,369	+0.1%

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

$179,054

Total Directors

$9,995

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DANIEL KRAUSE	PRESIDENT/CE	50.00	Officer	$125,687	$47,812	$173,499
MIKE HANDEL	CHAIR	1.00	Officer Director	$2,225	$0	$2,225
MARIE KOERNER	SECRETARY/TR	1.00	Officer Director	$2,220	$0	$2,220
BRENDA SMOLA	DIRECTOR	1.00	Director	$1,390	$0	$1,390
GARY KOHN	DIRECTOR	1.00	Director	$1,150	$0	$1,150
VICKI AHLES	VICE CHAIR	1.00	Officer Director	$1,110	$0	$1,110
KELLY EMSTROM	DIRECTOR	1.00	Director	$1,080	$0	$1,080
DWAYNE PARKINSON	DIRECTOR	1.00	Director	$820	$0	$820

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	$4,814,768	$4,082,988	$86,619,020	$731,780
2024	No data	No data	No data	No data
2023	$3,818,717	$3,329,616	$77,179,600	$489,101
2022	$3,119,541	$2,755,324	$81,116,801	$364,217
2021	$2,630,445	$2,612,721	$79,148,121	$17,724
2020	$2,682,301	$2,657,746	$70,822,040	$24,555
2019	$2,746,348	$2,671,198	$60,068,361	$75,150
2018	$2,572,694	$2,396,376	$56,330,082	$176,318

TAYLOR CREDIT UNION