FOND DU LAC CREDIT UNION (EIN 390936240) - 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

1954

Legal Domicile

Principal Officer

SCOTT ROESCH

Phone

9209211123

Tax Period

2024-01-01 to 2024-12-31

FOND DU LAC CREDIT UNION, founded in 1954, is a community nonprofit that reported $4.2M in total revenue in fiscal year 2024. Revenue grew 16% year-over-year, indicating healthy expansion. The organization ran a surplus of $890K, a strong 21% operating margin.

Mission

TO CREATE EXCEPTIONAL MEMBERS EXPERIENCES.

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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 (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $2,902,891

Investment Income $1,248,089

Other Revenue $6,724

TOTAL REVENUE $4,157,704

Expense Breakdown

Grants Paid $11,399

Salaries & Benefits $1,356,603

Fundraising Expenses $0

Other Expenses $1,899,804

TOTAL EXPENSES $3,267,806

Year-over-Year Comparison

	2024	2023	Change
Revenue	$4,157,704	$3,591,838	+0.2%
Expenses	$3,267,806	$2,785,611	+0.2%
Net Income	$889,898	$806,227	+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

$431,762

Total Directors

$154,884

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
SCOTT ROESCH	PRESIDENT	40.00	Officer Director	$136,609	$18,275	$154,884
LORRI HEIMBACK	VP MARKTNG	40.00	Officer	$113,143	$39,713	$152,856
MEGAN GYSBERS	DIRECTOR ACC	40.00	Officer	$85,212	$38,810	$124,022
MARTY SCHIBBELHUT	CHAIR	1.00	Officer Director	$0	$0	$0
HANNAH SMET	VICE CHAIR	1.00	Officer Director	$0	$0	$0
JEREMY VAN DERAA	TREASURER	1.00	Officer Director	$0	$0	$0
AMY TEIFKE	SECRETARY	1.00	Officer Director	$0	$0	$0
AMY BAYER	DIRECTOR	1.00	Director	$0	$0	$0
MICHELLE SCHNEIDER	DIRECTOR	1.00	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	No data	No data	No data	No data
2024	$4,157,704	$3,267,806	$80,513,279	$889,898
2023	$3,591,838	$2,785,611	$79,277,111	$806,227
2022	$2,717,548	$2,272,078	$81,252,894	$445,470
2021	$2,490,008	$2,094,715	$82,804,082	$395,293
2020	$2,721,182	$2,321,941	$75,390,419	$399,241
2019	$3,139,833	$2,616,567	$66,291,166	$523,266
2018	$2,906,082	$2,341,204	$61,930,715	$564,878

FOND DU LAC CREDIT UNION