IOWA CORPORATE CENTRAL UNION 365

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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

1995

Legal Domicile

Phone

3193765237

Tax Period

2025-01-01 to 2025-12-31

IOWA CORPORATE CENTRAL UNION 365, founded in 1995, is a small nonprofit that reported $305K in total revenue in fiscal year 2025. Revenue grew 18% year-over-year, indicating healthy expansion. Expenses of $291K left a modest 5% surplus.

Mission

CREDIT UIONS CREATE A SOURCE OF CREDIT AT A FAIR AND RESONABLE RATE OF INTEREST, ENCOURAGE HABITS OF THRIFT AMONG ITS MEMBERS, AND PROVIDE AN OPPORTUNITY FOR ITS MEMBERS TO USE AND CONTROL THEIR OWN MONEY.

Program Service Accomplishments

Program 1

Expenses: $290,952 Revenue: $305,418

SEE PART III

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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 $229,748

Investment Income $75,670

Other Revenue $0

TOTAL REVENUE $305,418

Expense Breakdown

Grants Paid $0

Salaries & Benefits $60,972

Fundraising Expenses $0

Program Expenses $290,952

Other Expenses $229,980

TOTAL EXPENSES $290,952

Year-over-Year Comparison

	2025	2024	Change
Revenue	$305,418	$259,331	+0.2%
Expenses	$290,952	$230,207	+0.3%
Net Income	$14,466	$29,124	-0.5%

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MELODIE GOLDENSOPH	EMPLOYEE	40.00	Highest	$42,692	$0	$42,692
REBEKAH SMITH	SECRETARY	1.00	Director	$0	$0	$0
JOE NEUWEG	CHAIRMAN	1.00	Director	$0	$0	$0
MARK MEIEROTTO	VICE CHAIRMAN	1.00	Officer Director	$0	$0	$0
TAMMY WORKMAN	AUDIT COMMITTEE CHAIRMAN	0.00	Director	$0	$0	$0
JEAN HAMILTON	CREDIT COMMITTEE	0.00	Director	$0	$0	$0
SHAWNNA MAUPIN	AUDIT COMMITTEE	0.00	Director	$0	$0	$0
HEATHER MOEHN	AUDIT COMMITTEE	0.00	Director	$0	$0	$0
JASON FOWLER	CREDIT COMMITTEE CHAIRMAN	0.00	Director	$0	$0	$0
ALEA MOOMEY	CREDIT COMMITTEE	0.00	Director	$0	$0	$0
MATT LINNENBRINK	CREDIT COMMITTEE	0.00	Director	$0	$0	$0
TABATHA CASSIDAY	AUDIT COMMITTEE	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	$305,418	$290,952	$6,413,694	$14,466
2024	$259,331	$230,207	$6,269,812	$29,124
2023	$188,781	$173,781	$5,712,199	$15,000
2022	$135,483	$127,620	$5,159,639	$7,863
2021	$122,869	$116,422	$4,934,899	$6,447
2020	$123,989	$117,703	$4,585,262	$6,286
2019	$118,964	$105,535	$4,085,302	$13,429
2018	$113,015	$100,940	$3,829,505	$12,075