Power Co-op Employees Credit Union (EIN 420803649) - 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

1956

Legal Domicile

Principal Officer

Andrea Harms

Phone

5153324096

Tax Period

2025-01-01 to 2025-12-31

Power Co-op Employees Credit Union, founded in 1956, is a community nonprofit that reported $4.2M in total revenue in fiscal year 2025. Revenue grew 19% year-over-year, indicating healthy expansion. The organization ran a surplus of $851K, a strong 20% operating margin.

Mission

Provide lending, savings, and other financial services to qualifying members with a service-based emphasis that recognizes the members' statuses as owners.

🔒

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 $3,125,033

Investment Income $714,576

Other Revenue $373,237

TOTAL REVENUE $4,212,846

Expense Breakdown

Grants Paid $0

Salaries & Benefits $641,540

Fundraising Expenses $0

Program Expenses $3,361,572

Other Expenses $2,720,032

TOTAL EXPENSES $3,361,572

Year-over-Year Comparison

	2025	2024	Change
Revenue	$4,212,846	$3,530,211	+0.2%
Expenses	$3,361,572	$2,702,453	+0.2%
Net Income	$851,274	$827,758	+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

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
Andrea Harms	Current Manager	50.00		$100,000	$3,000	$103,000
Sandra Wurn	Chairperson	0.00	Officer Director	$0	$0	$0
Michael Carpenter	Vice Chair	0.00	Officer Director	$0	$0	$0
Lori Demuth	Secretary	0.00	Officer Director	$0	$0	$0
Dorothy Goodell	President	0.00	Officer Director	$0	$0	$0
Hannah Himrod	Audit Chair	0.00	Director	$0	$0	$0
Lynne Raveling	Audit Committee	0.00	Director	$0	$0	$0
John Betts	Audit Committee	0.00	Director	$0	$0	$0
Sarah Dornath	Credit Chair	0.00	Director	$0	$0	$0
Kallie Davis	Credit Committe	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	$4,212,846	$3,361,572	$80,890,426	$851,274
2024	$3,530,211	$2,702,453	$70,276,014	$827,758
2023	$2,347,716	$1,890,838	$63,785,205	$456,878
2022	$1,838,871	$1,268,379	$56,718,757	$570,492
2021	$1,585,098	$1,097,098	$53,814,360	$488,000
2020	$1,593,392	$990,794	$42,167,943	$602,598
2019	$1,583,097	$844,766	$34,271,272	$738,331
2018	$1,438,982	$780,448	$34,682,461	$658,534

Power Co-op Employees Credit Union