NORTH WESTERN EMPLOYEES CREDIT UNION (EIN 420658375) - 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

1941

Legal Domicile

Principal Officer

Mary Siek

Phone

7123282787

Tax Period

2024-01-01 to 2024-12-31

NORTH WESTERN EMPLOYEES CREDIT UNION, founded in 1941, is a small nonprofit that reported $627K in total revenue in fiscal year 2024. Revenue grew 8% year-over-year, indicating healthy expansion. The organization ran a surplus of $114K, a strong 18% operating margin.

Mission

providing financial services

🔒

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 (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $427,881

Investment Income $198,649

Other Revenue $0

TOTAL REVENUE $626,530

Expense Breakdown

Grants Paid $0

Salaries & Benefits $154,053

Fundraising Expenses $0

Program Expenses $512,914

Other Expenses $358,861

TOTAL EXPENSES $512,914

Year-over-Year Comparison

	2024	2023	Change
Revenue	$626,530	$579,783	+0.1%
Expenses	$512,914	$467,447	+0.1%
Net Income	$113,616	$112,336	+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

N/A

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
MARY SIEK	MANAGER/CFO	40	Highest	$69,701	$0	$69,701
RON KING	DIRECTOR	0.50	Director	$0	$0	$0
DAVID VANHOUTEN	DIRECTOR	0.50	Director	$0	$0	$0
IVAN MCMCAINS	DIRECTOR	0.50	Director	$0	$0	$0
SUZANNE ANDERSEN	DIRECTOR	0.50	Director	$0	$0	$0
KATHY MAYER	DIRECTOR	0.50	Director	$0	$0	$0
STEVE FEYERHERM	DIRECTOR	0.50	Director	$0	$0	$0
DILLARD AVEY	DIRECTOR	0.50	Director	$0	$0	$0
SHERRY SHERER	DIRECTOR	0.50		$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	No data	No data	No data	No data
2024	$626,530	$512,914	$10,345,752	$113,616
2023	$579,783	$467,447	$9,818,306	$112,336
2022	$414,493	$335,687	$9,557,628	$78,806
2021	$371,950	$335,369	$9,401,062	$36,581
2020	$383,264	$340,841	$8,348,387	$42,423

NORTH WESTERN EMPLOYEES CREDIT UNION