Electric Machinery Employees Credit Union (EIN 410682083) - 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

1947

Legal Domicile

Principal Officer

Gregory D Ericson

Phone

6123788100

Tax Period

2025-01-01 to 2025-12-31

Electric Machinery Employees Credit Union, founded in 1947, is a small nonprofit that reported $419K in total revenue in fiscal year 2025. Net assets of $1.5M represent 44 months of operating reserves.

Mission

Provide competitive savings rates and low cost loans to our members

🔒

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 $312,224

Investment Income $106,457

Other Revenue $0

TOTAL REVENUE $418,681

Expense Breakdown

Grants Paid $0

Salaries & Benefits $163,100

Fundraising Expenses $0

Program Expenses $206,725

Other Expenses $144,413

TOTAL EXPENSES $442,290

Year-over-Year Comparison

	2025	2024	Change
Revenue	$418,681	$406,851	+0.0%
Expenses	$442,290	$539,270	-0.2%
Net Income	$-23,609	$-132,419	-0.8%

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

$135,441

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
GREGORY D ERICSON	President	40.00	Officer	$78,441	$0	$78,441
TAYLOR DISTEL	Vice President	40.00	Officer	$57,000	$0	$57,000
RICHARD GROSS	Director	1.00	Director	$0	$0	$0
RYAN LAFLAMME	Director	1.00	Director	$0	$0	$0
ERIC NORMAN	Director	1.00	Director	$0	$0	$0
JOE LOYAS	Director	1.00	Director	$0	$0	$0
KRISTEN POPEK	Director	1.00	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	$418,681	$442,290	$8,505,711	$-23,609
2024	$406,851	$539,270	$8,389,881	$-132,419
2023	$349,090	$393,745	$8,723,249	$-44,655
2022	$331,496	$316,688	$8,848,914	$14,808
2021	$348,901	$313,623	$8,876,104	$35,278
2020	$364,404	$332,218	$9,473,968	$32,186

Electric Machinery Employees Credit Union