WINNEBAGO COMMUNITY 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

1954

Legal Domicile

Principal Officer

DEREK GROTH

Phone

9202339096

Tax Period

2025-01-01 to 2025-12-31

WINNEBAGO COMMUNITY CREDIT UNION, founded in 1954, is a community nonprofit that reported $8.9M in total revenue in fiscal year 2025. The organization ran a surplus of $1.9M, a strong 22% operating margin.

Mission

HELPING MAKE YOUR DREAMS COME TRUE

Program Service Accomplishments

Program 1

THE CREDIT UNION HAS VARIOUS TYPES OF DEPOSIT ACCOUNTS AVAILABLE FOR OUR MEMBERS. WE OPENED 1,738 NEW DEPOSIT ACCOUNTS IN 2025. AS OF 12/31/25 WE HAD 8,536 MEMBERS.

Program 2

THE CREDIT UNION HAS SEVERAL TYPES OF LOAN PROGRAMS AVAILABLE FOR OUR MEMBERS. WE FUNDED 579 NEW LOANS DURING 2025. AS OF 12/31/25 WE HAD 3,949 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 $0

Program Service Revenue $7,612,280

Investment Income $1,238,595

Other Revenue $5,858

TOTAL REVENUE $8,856,733

Expense Breakdown

Grants Paid $3,000

Salaries & Benefits $2,360,687

Fundraising Expenses $0

Other Expenses $4,558,115

TOTAL EXPENSES $6,921,802

Year-over-Year Comparison

	2025	2024	Change
Revenue	$8,856,733	$8,214,484	+0.1%
Expenses	$6,921,802	$6,573,625	+0.1%
Net Income	$1,934,931	$1,640,859	+0.2%

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

$654,150

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DEREK GROTH	PRESIDENT/CE	40.00	Officer	$176,031	$7,644	$183,675
CHRISTOPHER LEITCH	EXEC VP	40.00	Officer	$156,561	$26,951	$183,512
DEBRA FERNAU	COO	40.00	Officer	$153,377	$23,226	$176,603
ANTHONY TIEDE	FORMER PRESI	N/A		$149,000	$0	$149,000
DANA RACINE	VP MARKETING	40.00	Officer	$104,213	$6,147	$110,360
VALINDA APPLEBEE	DIRECTOR	1.00	Director	$0	$0	$0
THOMAS GESKE	CHAIR	1.00	Officer Director	$0	$0	$0
MELISSA HOODIE	SECRETARY	1.00	Officer Director	$0	$0	$0
KAREN KOELBL	VICE CHAIR	1.00	Officer Director	$0	$0	$0
JOHN SHEEHAN	TREASURER	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	$8,856,733	$6,921,802	$167,647,173	$1,934,931
2024	$8,214,484	$6,573,625	$158,775,559	$1,640,859
2023	$7,397,018	$5,371,377	$149,094,158	$2,025,641
2022	$6,162,060	$4,258,871	$156,637,845	$1,903,189
2021	$5,460,122	$4,140,103	$156,593,409	$1,320,019
2020	$5,437,184	$4,406,448	$142,187,740	$1,030,736
2019	$5,699,166	$4,438,412	$121,113,446	$1,260,754
2018	$5,181,127	$3,979,395	$108,254,719	$1,201,732