TEAMSTERS CREDIT UNION (EIN 411227313) - 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

1974

Legal Domicile

Principal Officer

ANDREA ADAMS

Phone

7632676300

Tax Period

2025-01-01 to 2025-12-31

TEAMSTERS CREDIT UNION, founded in 1974, is a small nonprofit that reported $828K in total revenue in fiscal year 2025.

Mission

TEAMSTERS CREDIT UNION PLEDGES TO HELP HARD-WORKING TEAMSTERS AND THEIR FAMILIES BY OFFERING SIMPLE AND FAIR LOANS. AS A DIRECT UNION-BENEFIT PROVIDER, WE ARE DEDICATED TO BUILDING LIFELONG FINANCIAL RELATIONSHIPS BY OFFERING SUPERIOR SERVICE TO OUR MEMBERS - ONE MEMBER AT A TIME.

🔒

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 $6,500

Program Service Revenue $664,908

Investment Income $156,213

Other Revenue $0

TOTAL REVENUE $827,621

Expense Breakdown

Grants Paid $2,000

Salaries & Benefits $366,505

Fundraising Expenses $0

Other Expenses $498,563

TOTAL EXPENSES $867,068

Year-over-Year Comparison

	2025	2024	Change
Revenue	$827,621	$781,849	+0.1%
Expenses	$867,068	$764,219	+0.1%
Net Income	$-39,447	$17,630	-3.2%

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

$196,976

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ANDREA ADAMS	PRESIDENT	40.00	Officer	$87,361	$21,376	$108,737
SHELLY NELSON	VICE PRESIDE	40.00	Officer	$71,130	$17,109	$88,239
TONY WINCHESTER	CHAIR	0.50	Officer Director	$0	$0	$0
MIKE WINKEL	VICE CHAIR	0.50	Officer Director	$0	$0	$0
SANDY KISCH	SECRETARY	0.50	Officer Director	$0	$0	$0
JEFF ECKMAN	DIRECTOR	0.50	Director	$0	$0	$0
SCOTT KROONA	DIRECTOR	0.50	Director	$0	$0	$0
TERRY HOYE	DIRECTOR	0.50	Director	$0	$0	$0
PAUL SLATTERY	DIRECTOR	0.50	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	$827,621	$867,068	$13,809,514	$-39,447
2024	$781,849	$764,219	$14,072,331	$17,630
2023	$690,710	$660,697	$13,912,568	$30,013
2022	$610,981	$549,370	$13,696,442	$61,611
2021	$617,472	$495,683	$13,696,330	$121,789
2020	$561,965	$506,632	$12,857,181	$55,333
2019	$612,368	$521,482	$11,850,168	$90,886
2018	$595,947	$509,056	$11,061,796	$86,891

TEAMSTERS CREDIT UNION