EQUITY LIVESTOCK CREDIT CORPORATION (EIN 391716802) - 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

1992

Legal Domicile

Principal Officer

JEFF KOCH

Phone

6083568311

Tax Period

2025-01-01 to 2025-12-31

EQUITY LIVESTOCK CREDIT CORPORATION, founded in 1992, is a community nonprofit that reported $1.2M in total revenue in fiscal year 2025. Revenue surged 22% from the prior year, signaling strong growth momentum. The organization ran a surplus of $333K, a strong 28% operating margin.

Mission

PROVIDE FINANCING FOR PRODUCERS IN FEEDER CATTLE OPERATIONS.

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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 $1,186,678

Investment Income $835

Other Revenue $10,510

TOTAL REVENUE $1,198,023

Expense Breakdown

Grants Paid $0

Salaries & Benefits $260,742

Fundraising Expenses $0

Other Expenses $604,483

TOTAL EXPENSES $865,225

Year-over-Year Comparison

	2025	2024	Change
Revenue	$1,198,023	$984,171	+0.2%
Expenses	$865,225	$679,976	+0.3%
Net Income	$332,798	$304,195	+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

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

$1,119,084

Total Directors

$71,840

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CURT LARSON	CEO AND PRESIDENT	1.00	Officer	$245,186	$30,160	$275,346
MARK CLARKE	COO	1.00	Officer	$143,843	$0	$143,843
JEFF KOCH	VP FINANCE, CFP	1.00	Officer	$133,983	$0	$133,983
JULIE KLITZKE	CHIEF ADMINISTRATIVE OFFIC	1.00	Officer	$104,135	$8,790	$112,925
GARY WILLIAMS	VICE PRESIDENT OF CREDIT S	1.00	Officer	$84,669	$14,096	$98,765
ABDULLAH HUSSAINI	JR VICE PRESIDENT OF MARKE	1.00	Officer	$75,338	$18,898	$94,236
ROB MEIER	VICE PRESIDENT OF INFORMAT	1.00	Officer	$98,001	$30,160	$128,161
DAVE CALVERT	VP OF MARKETING OPERATIONS	1.00	Officer	$96,850	$0	$96,850
STEVE SCHLEIS	SECRETARY/TREASURER	1.00	Officer Director	$1,400	$0	$8,855
ADAM QUANDAHL	CHAIRMAN	1.00	Officer Director	$1,100	$0	$9,955
TODD CUMMINGS	ASSISTANT SECRETARY/TREASU	1.00	Officer Director	$1,100	$0	$8,960
PETER KLEIMAN	DIRECTOR	1.00	Director	$1,100	$0	$7,585
BRAD SOLCHENBERGER	VICE CHAIRMAN	1.00	Officer Director	$600	$0	$7,205
DANIEL LEISCHER	DIRECTOR	1.00	Director	$600	$0	$6,542
DAN REESON	DIRECTOR	1.00	Director	$600	$0	$6,401
CHRITINA OLSON	DIRECTOR	1.00	Director	$500	$0	$5,582
MIKE KUNES	DIRECTOR	1.00	Director	$600	$0	$5,470
MIKE MANTHEY	DIRECTOR	1.00	Director	$600	$0	$5,285

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	$1,198,023	$865,225	$14,825,444	$332,798
2024	$984,171	$679,976	$11,073,624	$304,195
2023	$830,357	$449,806	$8,531,163	$380,551
2022	$487,290	$284,655	$7,621,196	$202,635
2021	$376,576	$193,533	$5,182,919	$183,043
2020	$417,921	$215,300	$4,845,577	$202,621
2019	$416,334	$235,846	$5,829,127	$180,488
2018	$387,933	$250,355	$6,269,239	$137,578

EQUITY LIVESTOCK CREDIT CORPORATION