TOMAH AREA 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

1939

Legal Domicile

Principal Officer

TODD SCHOLZ

Phone

6083724736

Tax Period

2025-01-01 to 2025-12-31

TOMAH AREA CREDIT UNION, founded in 1939, is a community nonprofit that reported $6.3M in total revenue in fiscal year 2025. The organization ran a surplus of $2.1M, a strong 33% operating margin.

Mission

THE MISSION OF THIS CREDIT UNION TO PROVIDE THE BEST FINANCIAL SERVICE TO OUR MEMBERS.

Program Service Accomplishments

Program 1

THE CREDIT UNION HAS VARIOUS TYPES OF DEPOSIT ACCOUNTS AVAILABLE FOR OUR MEMBERS. WE OPENED 301 NEW DEPOSIT ACCOUNTS IN 2025. AS OF 12/31/25 WE HAD 6,704 MEMBERS.

Program 2

THE CREDIT UNION HAS SEVERAL TYPES OF LOAN PROGRAMS AVAILABLE FOR OUR MEMBERS. WE FUNDED 425 NEW LOANS DURING 2025. AS OF 12/31/25 WE HAD 2,841 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 $3,934,865

Investment Income $2,325,338

Other Revenue $9,567

TOTAL REVENUE $6,269,770

Expense Breakdown

Grants Paid $2,000

Salaries & Benefits $1,439,474

Fundraising Expenses $0

Other Expenses $2,772,972

TOTAL EXPENSES $4,214,446

Year-over-Year Comparison

	2025	2024	Change
Revenue	$6,269,770	$5,878,229	+0.1%
Expenses	$4,214,446	$4,031,094	+0.0%
Net Income	$2,055,324	$1,847,135	+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

$488,791

Total Directors

$23,000

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
TODD SCHOLZ	PRESIDENT/CE	45.00	Officer	$210,313	$123,787	$334,100
JAYME ALTMAN	VP ACCOUNTIN	45.00	Officer	$94,044	$47,397	$141,441
JOESPH BUBNICH	DIRECTOR	1.00	Director	$3,500	$0	$3,500
JOHN FROELICH	VICE CHAIR	1.00	Officer Director	$3,500	$0	$3,500
PAUL WIESE	CHAIR	1.00	Officer Director	$3,500	$0	$3,500
LINDA JOHNSON	TREASURER	1.00	Officer Director	$3,250	$0	$3,250
ALAN LAYLAN	DIRECTOR	1.00	Director	$3,250	$0	$3,250
JEFFERY CRAM	SECRETARY	1.00	Officer Director	$3,000	$0	$3,000
MARTHA KLATT	DIRECTOR	1.00	Director	$3,000	$0	$3,000

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	$6,269,770	$4,214,446	$121,088,675	$2,055,324
2024	$5,878,229	$4,031,094	$109,533,670	$1,847,135
2023	$4,837,364	$3,099,468	$98,978,712	$1,737,896
2022	$3,376,958	$2,423,240	$98,532,665	$953,718
2021	$3,057,536	$2,463,385	$100,004,143	$594,151
2020	$3,141,614	$2,553,234	$88,934,855	$588,380
2019	$3,147,121	$2,444,499	$66,628,756	$702,622
2018	$2,874,189	$2,363,818	$62,540,147	$510,371