LAKEWOOD CREDIT UNION (EIN 391016089) - 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

1961

Legal Domicile

Principal Officer

JONATHAN ROEPKE

Phone

7154275201

Tax Period

2025-01-01 to 2025-12-31

LAKEWOOD CREDIT UNION, founded in 1961, is a small nonprofit that reported $829K in total revenue in fiscal year 2025. Revenue grew 19% year-over-year, indicating healthy expansion. Expenses of $799K left a modest 4% surplus.

Mission

TO PROVIDE QUALITY SERVICES TO FULFILL OUR MEMBER'S FINANCIAL NEEDS IN A COMMUNITY ENVIRONMENT WHILE MAINTAINING FINANCIAL STABILITY.

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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 $637,905

Investment Income $190,739

Other Revenue $0

TOTAL REVENUE $828,644

Expense Breakdown

Grants Paid $2,867

Salaries & Benefits $293,932

Fundraising Expenses $0

Other Expenses $502,388

TOTAL EXPENSES $799,187

Year-over-Year Comparison

	2025	2024	Change
Revenue	$828,644	$698,938	+0.2%
Expenses	$799,187	$768,084	+0.0%
Net Income	$29,457	$-69,146	-1.4%

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

N/A

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

$153,293

Total Directors

$71,512

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JONATHAN ROEPKE	CEO	40.00	Officer	$65,955	$16,816	$82,771
AMY KETTERHAGEN	COO	40.00	Officer Director	$60,882	$7,620	$68,502
GLEN HARDER	CHAIR	0.50	Officer Director	$590	$0	$590
WILLIAM SCHREINER	TREASURER	0.50	Officer Director	$590	$0	$590
BEVERLY TESCH	DIRECTOR/INT	0.50	Director	$590	$0	$590
DAWN THUMS	SECRETARY	0.50	Officer Director	$590	$0	$590
ERIN PROBST	DIRECTOR	0.50	Director	$400	$0	$400
BUTCH WIEGEL	VICE CHAIR	0.50	Officer Director	$250	$0	$250

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	$828,644	$799,187	$14,660,874	$29,457
2024	$698,938	$768,084	$13,473,280	$-69,146
2023	$621,308	$581,172	$13,595,692	$40,136
2022	$437,438	$426,082	$15,366,093	$11,356
2021	$347,734	$371,524	$14,803,585	$-23,790
2020	$384,005	$406,678	$12,156,334	$-22,673
2019	$385,502	$375,872	$10,883,916	$9,630
2018	$385,633	$333,950	$11,027,045	$51,683

LAKEWOOD CREDIT UNION