MILL CITY CREDIT UNION (EIN 410280115) - 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

1935

Legal Domicile

Principal Officer

KENT GREFF

Phone

7637646900

Tax Period

2018-01-01 to 2018-12-31

MILL CITY CREDIT UNION, founded in 1935, is a mid-sized nonprofit that reported $14.6M in total revenue in fiscal year 2018. The organization ran a surplus of $2.6M, a strong 18% operating margin.

Mission

OUR MISSION AT MILL CITY CREDIT UNION IS TO HELP OUR MEMBERS ACHIEVE THEIR FINANCIAL GOALS BY PROVIDING EXCEPTIONAL VALUE THROUGH INNOVATIVE PRODUCTS, PERSONALIZED SERVICES, AND SECURE GROWTH OPPORTUNITIES.

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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 (2018)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $12,600,134

Investment Income $1,962,428

Other Revenue $0

TOTAL REVENUE $14,562,562

Expense Breakdown

Grants Paid $0

Salaries & Benefits $5,126,436

Fundraising Expenses $0

Other Expenses $5,395,976

TOTAL EXPENSES $11,914,540

Year-over-Year Comparison

	2018	2017	Change
Revenue	$14,562,562	$13,938,005	+0.0%
Expenses	$11,914,540	$11,851,441	+0.0%
Net Income	$2,648,022	$2,086,564	+0.3%

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

N/A

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

$1,292,843

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
BOB KIRK	CHAIRMAN OF THE BOARD	1.00	Officer Director	$0	$0	$0
PETER MCDONALD	VICE CHAIRMAN OF THE BOARD	1.00	Officer Director	$0	$0	$0
CAM HOANG	SECRETARY OF THE BOARD	1.00	Officer Director	$0	$0	$0
EARL ROBERTSON	DIRECTOR	1.00	Director	$0	$0	$0
MARTHA GSCHNEIDNER	DIRECTOR	1.00	Director	$0	$0	$0
PAUL BOYER	DIRECTOR	1.00	Director	$0	$0	$0
CHAD KERLIN	DIRECTOR	1.00	Director	$0	$0	$0
GEOFF JOHNSON	DIRECTOR	1.00	Director	$0	$0	$0
REBEKAH FERGUSON	DIRECTOR	1.00	Director	$0	$0	$0
KENT GREFF	PRESIDENT/CEO	37.50	Officer	$363,667	$133,102	$496,769
SHIRLEY NEUKOM	VP/CFO	37.50	Officer	$152,814	$55,930	$208,744
DANIELLE ARTHUR	VICE PRESIDENT OPERATIONS	37.50	Officer	$101,214	$37,044	$138,258
MITCH MYRE	VICE PRESIDENT LENDING	37.50	Officer	$121,657	$44,526	$166,183
ROBIN DOWNING	VICE PRESIDENT HUMAN RESOU	37.50	Officer	$101,571	$37,175	$138,746
MISSY MOUND	VICE PRESIDENT MKTG & BUS	37.50	Officer	$105,522	$38,621	$144,143

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
2018	$14,562,562	$11,914,540	No data	$2,648,022

MILL CITY CREDIT UNION