CITIZENS COMMUNITY CREDIT UNION (EIN 420566171) - 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

1940

Legal Domicile

Principal Officer

DAN SCOTT

Phone

5159555524

Tax Period

2025-01-01 to 2025-12-31

CITIZENS COMMUNITY CREDIT UNION, founded in 1940, is a mid-sized nonprofit that reported $18.5M in total revenue in fiscal year 2025. Revenue grew 9% year-over-year, indicating healthy expansion. The organization ran a surplus of $3.8M, a strong 21% operating margin.

Mission

TO PROVIDE LOW COST FINANCIAL SERVICES TO OUR COMMUNITY.

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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 $15,300,408

Investment Income $2,143,892

Other Revenue $1,092,942

TOTAL REVENUE $18,537,242

Expense Breakdown

Grants Paid $0

Salaries & Benefits $4,548,428

Fundraising Expenses $0

Program Expenses $14,727,033

Other Expenses $10,178,605

TOTAL EXPENSES $14,727,033

Year-over-Year Comparison

	2025	2024	Change
Revenue	$18,537,242	$16,953,238	+0.1%
Expenses	$14,727,033	$13,759,494	+0.1%
Net Income	$3,810,209	$3,193,744	+0.2%

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

N/A

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

$637,296

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
TIM DOYLE	CHAIRMAN	1.00	Officer Director	$0	$0	$0
TERRY ALLERS	VICE CHAIRMAN	1.00	Officer Director	$0	$0	$0
DOUG UTLEY	PRESIDENT	1.00	Officer Director	$0	$0	$0
LINDA CLINE	SECRETARY	1.00	Officer Director	$0	$0	$0
CHRIS PARKER	BOARD MEMBER	1.00	Director	$0	$0	$0
LYLE BOECKHOLT	BOARD MEMBER	1.00	Director	$0	$0	$0
JULIE PITON	BOARD MEMBER	1.00	Director	$0	$0	$0
TERI TOWNSEND	BOARD MEMBER	1.00	Director	$0	$0	$0
RICK LAMOUREUX	BOARD MEMBER	1.00	Director	$0	$0	$0
DAN SCOTT	CEO	40.00	Officer	$227,072	$59,946	$287,018
STEPHEN HINDMAN	CFO	40.00	Officer	$159,910	$38,912	$198,822
JEN CRIMMINS	CAO	40.00	Officer	$128,214	$23,242	$151,456
JODI REEKERS	VP, FINANCE	40.00	Highest	$108,500	$33,910	$142,410

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	$18,537,242	$14,727,033	$248,350,777	$3,810,209
2024	$16,953,238	$13,759,494	$226,893,370	$3,193,744
2023	$14,929,008	$11,605,744	$219,457,714	$3,323,264
2022	$12,713,937	$11,481,836	$235,808,444	$1,232,101
2021	$12,549,482	$10,599,898	$243,602,484	$1,949,584
2020	$12,541,694	$11,761,525	$224,281,280	$780,169
2019	$13,167,520	$11,815,412	$198,127,445	$1,352,108
2018	$12,487,759	$10,683,398	$199,150,267	$1,804,361

CITIZENS COMMUNITY CREDIT UNION