MARSHFIELD MEDICAL CENTER CREDIT U… - Form 990 Financial Data

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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

1965

Legal Domicile

Principal Officer

DAVID MURPHY

Phone

7153878686

Tax Period

2025-01-01 to 2025-12-31

MARSHFIELD MEDICAL CENTER CREDIT UNION, founded in 1965, is a community nonprofit that reported $3.9M in total revenue in fiscal year 2025. Revenue grew 15% year-over-year, indicating healthy expansion. Expenses of $3.5M left a modest 11% surplus.

Mission

TO OFFER OUR MEMBERS QUALITY FINANCIAL SERVICES, COMPETITIVE RATES, AND ENCOURAGE RESPONSIBLE MONEY MANAGEMENT PRACTICES.

Program Service Accomplishments

Program 1

THE CREDIT UNION HAS VARIOUS TYPES OF DEPOSIT ACCOUNTS AVAILABLE FOR OUR MEMBERS. WE OPENED 669 NEW DEPOSIT ACCOUNTS IN 2025. AS OF 12/31/25 WE HAD 3,694 MEMBERS.

Program 2

THE CREDIT UNION HAS SEVERAL TYPES OF LOAN PROGRAMS AVAILABLE FOR OUR MEMBERS. WE FUNDED 437 NEW LOANS DURING 2025. AS OF 12/31/25 WE HAD 2,724 OUTSTANDING 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 $3,116,471

Investment Income $814,789

Other Revenue $7,893

TOTAL REVENUE $3,939,153

Expense Breakdown

Grants Paid $28,791

Salaries & Benefits $964,121

Fundraising Expenses $0

Other Expenses $2,521,906

TOTAL EXPENSES $3,514,818

Year-over-Year Comparison

	2025	2024	Change
Revenue	$3,939,153	$3,424,350	+0.2%
Expenses	$3,514,818	$3,300,686	+0.1%
Net Income	$424,335	$123,664	+2.4%

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

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

$412,063

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DAVID MURPHY	PRESIDENT	40.00	Officer	$130,144	$10,222	$140,366
JEROME LITWAITIS	VP LENDING	40.00	Officer	$103,074	$18,042	$121,116
STEPHANIE RSAMUSSEN	ASST VP HR	40.00	Officer	$60,815	$21,586	$82,401
MELISSA SINTA	VP OPERATION	40.00	Officer	$64,646	$3,534	$68,180
BROOKS BURT	CHAIR	0.50	Officer Director	$0	$0	$0
STEPHANIE HELGESON	VICE CHAIR	0.50	Officer Director	$0	$0	$0
DEBRA OLESON-BROCK	TREASURER	0.50	Officer Director	$0	$0	$0
STEVE KAISER	SECRETARY	0.50	Officer Director	$0	$0	$0
MARY JO KNOBLOCH	DIRECTOR	0.50	Director	$0	$0	$0
JENNIFER MEECE	DIRECTOR	0.50	Director	$0	$0	$0
EDWARD KORLESKY	DIRECTOR	0.50	Director	$0	$0	$0
SUSAN SPENCER	DIRECTOR	0.50	Director	$0	$0	$0
ANDREW WEIER	DIRECTOR	0.50	Director	$0	$0	$0
DANIEL JOHNSON	DIRECTOR	0.50	Officer	$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	$3,939,153	$3,514,818	$91,322,630	$424,335
2024	$3,424,350	$3,300,686	$87,428,563	$123,664
2023	$2,430,978	$2,426,397	$86,176,319	$4,581
2022	$1,901,472	$1,749,548	$89,196,056	$151,924
2021	$1,921,728	$1,686,967	$88,199,528	$234,761
2020	$2,039,282	$1,944,443	$78,517,224	$94,839
2019	$2,134,758	$1,867,013	$67,010,320	$267,745
2018	$2,020,181	$1,775,621	$65,618,184	$244,560

MARSHFIELD MEDICAL CENTER CREDIT UNION