Mower County Employees Credit Union (EIN 410856202) - 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

1961

Legal Domicile

Phone

5074376360

Tax Period

2025-01-01 to 2025-12-31

Mower County Employees Credit Union, founded in 1961, is a small nonprofit that reported $813K in total revenue in fiscal year 2025. Revenue grew 14% year-over-year, indicating healthy expansion. Expenses of $784K left a modest 4% surplus.

Mission

Encourages thrift among members improving social conditions Offering low rate loans share savings drafts and certificates of deposit

🔒

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 $801,366

Investment Income $11,959

Other Revenue $0

TOTAL REVENUE $813,325

Expense Breakdown

Grants Paid $0

Salaries & Benefits $187,577

Fundraising Expenses $0

Program Expenses $405,081

Other Expenses $595,969

TOTAL EXPENSES $783,546

Year-over-Year Comparison

	2025	2024	Change
Revenue	$813,325	$712,031	+0.1%
Expenses	$783,546	$681,978	+0.1%
Net Income	$29,779	$30,053	0.0%

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
STEPHANIE RILES	PresidentCEO	40.00	Highest	$85,000	$0	$85,000
DUANE FELT	Board President	0.00	Officer Director	$0	$0	$0
MARK MAY	Board Vice President	0.00	Officer Director	$0	$0	$0
CHRIS EASTVOLD	Board Secretary	0.00	Officer Director	$0	$0	$0
DUANE STANLEY	Board Member	0.00	Director	$0	$0	$0
JANE BAU	Board Member	0.00	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	$813,325	$783,546	$13,415,686	$29,779
2024	$712,031	$681,978	$12,054,844	$30,053
2023	$617,314	$549,832	$11,885,178	$67,482
2022	$574,840	$487,252	$12,541,214	$87,588
2021	$593,827	$407,613	$11,661,894	$186,214
2020	$470,467	$349,045	$11,586,308	$121,422

Mower County Employees Credit Union