MINNESOTA CATHOLIC CREDIT UNION (EIN 410718967) - 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

1946

Legal Domicile

Principal Officer

John Hardekopf

Phone

6514840265

Tax Period

2025-01-01 to 2025-12-31

MINNESOTA CATHOLIC CREDIT UNION, founded in 1946, is a community nonprofit that reported $2.3M in total revenue in fiscal year 2025. The organization ran a surplus of $408K, a strong 17% operating margin.

Mission

To provide to our 3,042 member/owners with financial products and services within the cooperative framework of a credit union. Through this method we are able to help members that would otherwise fall through the cracks.

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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 $1,901,754

Investment Income $427,772

Other Revenue $10,800

TOTAL REVENUE $2,340,326

Expense Breakdown

Grants Paid $0

Salaries & Benefits $798,309

Fundraising Expenses $0

Program Expenses $0

Other Expenses $1,133,749

TOTAL EXPENSES $1,932,058

Year-over-Year Comparison

	2025	2024	Change
Revenue	$2,340,326	$2,318,070	+0.0%
Expenses	$1,932,058	$1,853,075	+0.0%
Net Income	$408,268	$464,995	-0.1%

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

3042

Independent Members

3042

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
John Hardekopf	CEO	40	Highest	$141,332	$0	$141,332
Chrissy Rehnberg	Board Member	1	Director	$0	$0	$0
Lynne Saxton	Board Member	1	Director	$0	$0	$0
Joan Bauer	Board Member	1	Director	$0	$0	$0
Brian Owens	Chairman	1	Director	$0	$0	$0
Ray Hess	Vice-Chairman	1	Director	$0	$0	$0
Mark Bigelbach	Director	1	Director	$0	$0	$0
Tad Jude	Board Member	1	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	$2,340,326	$1,932,058	$37,642,902	$408,268
2024	$2,318,070	$1,853,075	$37,334,859	$464,995
2023	$2,024,264	$1,730,766	$38,805,960	$293,498
2022	$1,668,175	$1,357,127	$43,757,169	$311,048
2021	$1,450,876	$1,282,732	$41,182,115	$168,144
2020	$1,424,184	$1,399,354	$37,780,837	$24,830
2019	$1,542,238	$1,365,992	$32,807,920	$176,246
2018	$1,468,744	$1,297,350	$33,309,704	$171,394

MINNESOTA CATHOLIC CREDIT UNION