DEER RIVER COOP CREDIT UNION (EIN 410216120) - 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

1938

Legal Domicile

Principal Officer

MARY L GOGGLEYE

Phone

2182468777

Tax Period

2025-01-01 to 2025-12-31

DEER RIVER COOP CREDIT UNION, founded in 1938, is a community nonprofit that reported $1.5M in total revenue in fiscal year 2025. Expenses of $1.3M left a modest 15% surplus.

Mission

TO SERVICE MEMBERS OF THE COMMUNITY FOR THEIR FINANCIAL NEEDS

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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 $1,369,700

Investment Income $125,703

Other Revenue $0

TOTAL REVENUE $1,495,403

Expense Breakdown

Grants Paid $0

Salaries & Benefits $420,242

Fundraising Expenses $0

Program Expenses $465,798

Other Expenses $388,487

TOTAL EXPENSES $1,277,663

Year-over-Year Comparison

	2025	2024	Change
Revenue	$1,495,403	$1,384,899	+0.1%
Expenses	$1,277,663	$1,126,682	+0.1%
Net Income	$217,740	$258,217	-0.2%

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

N/A

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

$8,742

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MARY GOGGLEYE	PRESIDENT	40.00	Highest	$106,089	$0	$106,089
MAUREEN REUTER	SUPERVISORY COMMITTEE	1.00	Officer	$1,403	$0	$1,403
CHARLES ISAACS	BOARD CHAIR	1.00	Officer	$1,334	$0	$1,334
MICHAEL NYNAS	BOARD MEMBER	1.00	Officer	$1,334	$0	$1,334
NICOLE OSSE	BOARD MEMBER	1.00	Officer	$1,279	$0	$1,279
LYDIA WHITE	SUPERVISORY COMMITTEE	1.00	Officer	$1,265	$0	$1,265
SUSAN DEWITT	SUPERVISORY COMMITTEE	1.00	Officer	$1,265	$0	$1,265
LARRY NIXON	BOARD MEMBER	1.00	Officer	$729	$0	$729
BARBARA GUNDERSON	BOARD MEMBER	1.00	Officer	$133	$0	$133

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	$1,495,403	$1,277,663	$29,803,329	$217,740
2024	$1,384,899	$1,126,682	$28,452,652	$258,217
2023	$1,190,897	$958,098	$26,505,496	$232,799
2022	$903,681	$740,671	$25,924,020	$163,010
2021	$866,534	$737,197	$25,319,705	$129,337
2020	$830,587	$730,579	$22,873,582	$100,008
2019	$835,659	$692,022	$18,522,909	$143,637
2018	$769,889	$628,804	$17,851,382	$141,085

DEER RIVER COOP CREDIT UNION