BROKAW CREDIT UNION

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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

1952

Legal Domicile

Principal Officer

LORI BERRY

Phone

7153597012

Tax Period

2025-01-01 to 2025-12-31

BROKAW CREDIT UNION, founded in 1952, is a community nonprofit that reported $4.1M in total revenue in fiscal year 2025. The organization ran a surplus of $945K, a strong 23% operating margin.

Mission

IN A CARING, COOPERATIVE MANNER, PROVIDE MEMBERS WITH AFFORDABLE, INNOVATIVE, QUALITY PRODUCTS AND SERVICES WHILE ESTABLISHING LIFELONG RELATIONSHIPS.

Program Service Accomplishments

Program 1

THE CREDIT UNION HAS VARIOUS TYPES OF DEPOSIT ACCOUNTS AVAILABLE FOR OUR MEMBERS. WE OPENED 688 NEW DEPOSIT ACCOUNTS IN 2025. AS OF 12/31/25 WE HAD 5,733 MEMBERS.

Program 2

THE CREDIT UNION HAS SEVERAL TYPES OF LOAN PROGRAMS AVAILABLE FOR OUR MEMBERS. WE FUNDED 39,386 NEW LOANS DURING 2025. AS OF 12/31/25 WE HAD 55,892 LOANS RECEIVABLE.

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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 $3,232

Program Service Revenue $3,278,709

Investment Income $847,273

Other Revenue $7,506

TOTAL REVENUE $4,136,720

Expense Breakdown

Grants Paid $4,980

Salaries & Benefits $1,158,543

Fundraising Expenses $0

Other Expenses $2,028,064

TOTAL EXPENSES $3,191,587

Year-over-Year Comparison

	2025	2024	Change
Revenue	$4,136,720	$4,136,002	+0.0%
Expenses	$3,191,587	$3,273,759	0.0%
Net Income	$945,133	$862,243	+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

$259,799

Total Directors

$6,130

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
LORI BERRY	PRESIDENT/CE	40.00	Officer	$113,955	$22,180	$136,135
ROGER KRAUSE	ACCOUNTING M	40.00	Officer	$92,551	$26,843	$119,394
SANDY OESTREICH	CHAIR	0.75	Officer Director	$1,605	$0	$1,605
GWYN LEU	SECRETARY	0.50	Officer Director	$1,105	$0	$1,105
RICHARD BURCH	TREASURER	0.50	Officer Director	$900	$0	$900
TERRY RADTKE	DIRECTOR	0.50	Director	$780	$0	$780
STEVE FRAZIER	DIRECTOR	0.50	Director	$660	$0	$660
MARK GOLDING	VICE CHAIR	0.50	Officer Director	$660	$0	$660
JONATHAN GRIESBACH	DIRECTOR	0.50	Director	$420	$0	$420

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	$4,136,720	$3,191,587	$69,456,010	$945,133
2024	$4,136,002	$3,273,759	$67,559,492	$862,243
2023	$3,641,938	$2,780,637	$66,715,785	$861,301
2022	$2,760,795	$2,468,232	$70,995,731	$292,563
2021	$2,588,172	$2,388,352	$70,165,922	$199,820
2020	$2,714,931	$2,518,663	$63,141,187	$196,268
2019	$2,763,672	$2,500,024	$53,770,645	$263,648
2018	$2,561,746	$2,213,165	$52,850,339	$348,581