EMPLOYEES CREDIT UNION

🔒

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

1947

Legal Domicile

Principal Officer

MARK PETERS

Phone

7123625897

Tax Period

2025-01-01 to 2025-12-31

EMPLOYEES CREDIT UNION, founded in 1947, is a mid-sized nonprofit that reported $11.6M in total revenue in fiscal year 2025. The organization ran a surplus of $2.4M, a strong 21% operating margin.

Mission

TO BE OUR MEMBERS OPTIMUM SERVICE CENTER FOR THEIR FINANCIAL NEEDS.

Program Service Accomplishments

Program 1

THE CREDIT UNION HAS VARIOUS TYPES OF DEPOSIT ACCOUNTS AVAILABLE FOR OUR MEMBERS. WE OPENED 368 NEW DEPOSIT ACCOUNTS IN 2025. AS OF 12/31/25 WE HAD 9,122 MEMBERS.

Program 2

THE CREDIT UNION HAS SEVERAL TYPES OF LOAN PROGRAMS AVAILABLE FOR OUR MEMBERS. WE FUNDED 6,076 NEW LOANS DURING 2025. AS OF 12/31/25 WE HAD 6,124 OUTSTANDING LOANS RECEIVABLE.

🔒

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 $7,355,095

Investment Income $4,195,656

Other Revenue $0

TOTAL REVENUE $11,550,751

Expense Breakdown

Grants Paid $9,088

Salaries & Benefits $1,672,203

Fundraising Expenses $0

Other Expenses $7,430,783

TOTAL EXPENSES $9,112,074

Year-over-Year Comparison

	2025	2024	Change
Revenue	$11,550,751	$10,760,989	+0.1%
Expenses	$9,112,074	$8,456,816	+0.1%
Net Income	$2,438,677	$2,304,173	+0.1%

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

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

$400,267

Total Directors

$411,467

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MARK PETERS	CEO	40.00	Officer Director	$319,855	$75,612	$395,467
LAUREL HASH	LOAN MANAGER	40.00	Highest	$120,500	$23,394	$143,894
DALLAS QUASTAD	LOAN OFFICER	40.00	Highest	$104,000	$22,255	$126,255
SHEILA BORCHERS	CHAIR	1.00	Officer Director	$2,400	$0	$2,400
TERRY CLARK	DIRECTOR	1.00	Director	$2,400	$0	$2,400
JEANNE HANDELAND	DIRECTOR	1.00	Director	$2,400	$0	$2,400
DANNY HOFFMAN	DIRECTOR	1.00	Director	$2,400	$0	$2,400
EDWARD MUNN	VICE CHAIR	1.00	Officer Director	$2,400	$0	$2,400
LAYNE ANDERSON	DIRECTOR	1.00	Director	$1,600	$0	$1,600
RYAN SWALVE	DIRECTOR	1.00	Director	$1,600	$0	$1,600
DAN JONDLE	DIRECTOR	1.00	Director	$800	$0	$800
JUSTINE CHRESTIANSEN	DIRECTOR	1.00	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	$11,550,751	$9,112,074	$195,220,109	$2,438,677
2024	No data	No data	No data	No data
2023	$8,972,529	$6,973,003	$158,633,797	$1,999,526
2022	$6,217,747	$3,873,087	$147,822,214	$2,344,660
2021	$5,411,301	$2,785,003	$136,420,831	$2,626,298
2020	$5,619,668	$3,222,225	$118,458,064	$2,397,443
2019	$5,485,363	$3,775,122	$105,357,507	$1,710,241
2018	$4,772,825	$3,450,846	$97,494,304	$1,321,979