NORTHWOODS 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

1953

Legal Domicile

Principal Officer

SALLY ZOESCH

Phone

7157623208

Tax Period

2025-01-01 to 2025-12-31

NORTHWOODS COMMUNITY CREDIT UNION, founded in 1953, is a community nonprofit that reported $5.2M in total revenue in fiscal year 2025. Revenue grew 8% year-over-year, indicating healthy expansion. Expenses of $4.6M left a modest 11% surplus.

Mission

PROVIDING FINANCIAL SECURITY AND OUTSTANDING SERVICE FOR OUR MEMBERS.

Program Service Accomplishments

Program 1

THE CREDIT UNION HAS VARIOUS TYPES OF DEPOSIT ACCOUNTS AVAILABLE FOR OUR MEMBERS. WE OPENED 1,217 NEW DEPOSIT ACCOUNTS IN 2025. AS OF 12/31/25 WE HAD 8,024 MEMBERS.

Program 2

THE CREDIT UNION HAS SEVERAL TYPES OF LOAN PROGRAMS AVAILABLE FOR OUR MEMBERS. WE FUNDED 656 LOANS DURING 2025. AS OF 12/31/25 WE HAD 4,196 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 $3,944,274

Investment Income $1,241,527

Other Revenue $23,841

TOTAL REVENUE $5,209,642

Expense Breakdown

Grants Paid $4,183

Salaries & Benefits $1,988,647

Fundraising Expenses $0

Other Expenses $2,633,394

TOTAL EXPENSES $4,626,224

Year-over-Year Comparison

	2025	2024	Change
Revenue	$5,209,642	$4,804,133	+0.1%
Expenses	$4,626,224	$4,156,388	+0.1%
Net Income	$583,418	$647,745	-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

$433,962

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
SALLY ZOESCH	PRESIDENT/CE	40.00	Officer	$127,742	$59,638	$187,380
TERESA GEHRMAN	EXEC VICE PR	40.00	Officer	$109,712	$56,245	$165,957
MIRAND WACHOWSKI	VICE PRESIDE	40.00	Officer	$75,344	$5,281	$80,625
ROGER STRAND	CHAIR - PART	1.00	Officer Director	$0	$0	$0
CHRIS SIMON	CHAIR - PART	1.00	Officer Director	$0	$0	$0
JOAN COOLEY	TREASURER	1.00	Officer Director	$0	$0	$0
DARLA ISHAM	SECRETARY	1.00	Officer Director	$0	$0	$0
MARGARET MORGAN	DIRECTOR	1.00	Director	$0	$0	$0
BRANDON BAY	DIRECTOR	1.00	Director	$0	$0	$0
KATIE WEINBERGER	DIRECTOR	1.00	Director	$0	$0	$0
LORENE BECKER	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	$5,209,642	$4,626,224	$92,680,072	$583,418
2024	$4,804,133	$4,156,388	$94,517,239	$647,745
2023	$4,093,383	$3,667,874	$89,100,475	$425,509
2022	$3,391,900	$3,030,402	$94,055,781	$361,498
2021	$3,125,916	$3,119,750	$95,524,504	$6,166
2020	$3,201,489	$3,188,114	$87,936,269	$13,375
2019	$3,361,861	$3,167,302	$75,217,715	$194,559
2018	$3,155,250	$2,985,817	$70,720,451	$169,433