UNITED EMPLOYEES CREDIT UNION (EIN 410615030) - 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

1932

Legal Domicile

Principal Officer

MATT MARAS

Phone

5073771616

Tax Period

2025-01-01 to 2025-12-31

UNITED EMPLOYEES CREDIT UNION, founded in 1932, is a community nonprofit that reported $3.1M in total revenue in fiscal year 2025. Revenue grew 13% year-over-year, indicating healthy expansion. The organization ran a surplus of $890K, a strong 29% operating margin.

Mission

TO PROVIDE MEMBER-OWNERS A SOUND FINANCIAL ENVIRONMENT WHILE MAINTAINING A PERSONAL LEVEL OF SERVICE WITH A HIGH LEVEL OF QUALITY AND EFFICIENCY.

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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 $1,800,331

Investment Income $1,286,902

Other Revenue $5,495

TOTAL REVENUE $3,092,728

Expense Breakdown

Grants Paid $2,000

Salaries & Benefits $612,676

Fundraising Expenses $0

Other Expenses $1,587,848

TOTAL EXPENSES $2,202,524

Year-over-Year Comparison

	2025	2024	Change
Revenue	$3,092,728	$2,725,951	+0.1%
Expenses	$2,202,524	$2,111,993	+0.0%
Net Income	$890,204	$613,958	+0.4%

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

$275,503

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MATT MARAS	PRESIDENT /	45.00	Officer	$157,786	$14,486	$172,272
DAVID SCHROEDER	VICE PRESIDE	42.00	Officer	$79,685	$23,546	$103,231
C THAYNE NORDLAND	BOARD CHAIR	1.00	Officer Director	$0	$0	$0
STEVE GUENTHNER	VICE CHAIR	1.00	Officer Director	$0	$0	$0
GRACE STEIL	SECRETARY	1.00	Officer Director	$0	$0	$0
LEON HELLICKSON	DIRECTOR	1.00	Director	$0	$0	$0
STEVE BOWRON	DIRECTOR	1.00	Director	$0	$0	$0
JAY WALTMAN	DIRECTOR	1.00	Director	$0	$0	$0
RON TIMM	DIRECTOR	1.00	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	$3,092,728	$2,202,524	$64,693,688	$890,204
2024	$2,725,951	$2,111,993	$59,952,132	$613,958
2023	$2,077,547	$1,596,167	$57,604,303	$481,380
2022	$1,519,875	$1,041,687	$54,810,012	$478,188
2021	$1,487,352	$986,632	$50,981,848	$500,720
2020	$1,459,020	$1,065,927	$48,465,085	$393,093
2019	$1,513,337	$1,135,475	$41,710,512	$377,862
2018	$1,358,102	$1,024,707	$40,748,349	$333,395

UNITED EMPLOYEES CREDIT UNION