WISCONSIN MEDICAL CREDIT UNION (EIN 396084960) - Form 990 Financial Analysis & Trantor Score

🔒

Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

Sign in with your work email to view Tuckman-Chang indicators

Financial Trends

Organization Details

Formation Year

1965

Legal Domicile

Principal Officer

MARY GROH

Phone

9204324353

Tax Period

2025-01-01 to 2025-12-31

WISCONSIN MEDICAL CREDIT UNION, founded in 1965, is a small nonprofit that reported $994K in total revenue in fiscal year 2025. Revenue grew 8% year-over-year, indicating healthy expansion. The organization ran a surplus of $178K, a strong 18% operating margin.

Mission

WISCONSIN MEDICAL CU IS A NOT FOR PROFIT, MEMBER OWNED ORGANIZATION DEDICATED TO MEET THE MEMBERS NEEDS BY PROVIDING SOUND FINANCIAL SERVICES INCLUDING COMPETITIVE RATES, INFORMATION AND SERVICES WHILE MAINTAINING FINANCIAL STABILITY OF THE CREDIT UNION.

🔒

Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

Sign in to view Trantor Score and financial metrics

Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $804,661

Investment Income $188,010

Other Revenue $1,772

TOTAL REVENUE $994,443

Expense Breakdown

Grants Paid $0

Salaries & Benefits $291,078

Fundraising Expenses $0

Other Expenses $525,118

TOTAL EXPENSES $816,196

Year-over-Year Comparison

	2025	2024	Change
Revenue	$994,443	$919,763	+0.1%
Expenses	$816,196	$729,157	+0.1%
Net Income	$178,247	$190,606	-0.1%

Key Indicators

✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✗ Schedule B Required

🔒

Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

Sign in to view all financial metrics

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

$91,216

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MARY GROH	PRESIDENT	55.00	Officer	$81,788	$9,428	$91,216
MELISSA HERMES	CHAIR	1.00	Officer Director	$0	$0	$0
SCOTT FURGER	VICE CHAIR	1.00	Officer Director	$0	$0	$0
TAMMY DANZ	TREASURER	1.00	Officer Director	$0	$0	$0
CAROL LEMIRAND	SECRETARY	1.00	Officer Director	$0	$0	$0
CALVIN NELSON	DIRECTOR	1.00	Director	$0	$0	$0
MARLENE SCHMIDT	DIRECTOR	1.00	Director	$0	$0	$0
DIANE MIDTHUN	DIRECTOR	N/A	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	$994,443	$816,196	$14,780,477	$178,247
2024	$919,763	$729,157	$15,243,185	$190,606
2023	$754,416	$682,053	$14,452,138	$72,363
2022	$660,082	$578,698	$14,458,437	$81,384
2021	$618,807	$566,061	$14,451,487	$52,746
2020	$607,796	$515,463	$13,061,857	$92,333
2019	$640,678	$527,193	$11,431,374	$113,485
2018	$541,920	$461,014	$10,582,058	$80,906

WISCONSIN MEDICAL CREDIT UNION