CEDAR FALLS COMMUNITY CREDIT UNION (EIN 420817536) - 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

1958

Legal Domicile

Principal Officer

CHAD KAEPPEL

Phone

3192667531

Tax Period

2025-01-01 to 2025-12-31

CEDAR FALLS COMMUNITY CREDIT UNION, founded in 1958, is a mid-sized nonprofit that reported $14.5M in total revenue in fiscal year 2025. Revenue grew 15% year-over-year, indicating healthy expansion. The organization ran a surplus of $3.5M, a strong 24% operating margin.

Mission

STATE CHARTERED CREDIT UNION

🔒

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 $12,862,237

Investment Income $1,644,447

Other Revenue $0

TOTAL REVENUE $14,506,684

Expense Breakdown

Grants Paid $0

Salaries & Benefits $2,276,325

Fundraising Expenses $0

Other Expenses $8,714,066

TOTAL EXPENSES $10,990,391

Year-over-Year Comparison

	2025	2024	Change
Revenue	$14,506,684	$12,608,901	+0.2%
Expenses	$10,990,391	$9,286,636	+0.2%
Net Income	$3,516,293	$3,322,265	+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

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
CHAD KAEPPEL	PRESIDENT/ CEO	50.00		$199,310	$0	$199,310
ALYSSA AIKEY	VP BUSINESS LENDIN	45.00		$122,817	$0	$122,817
EMILY CREIGHTON	SVP FINANCE & ACCT	45.00		$105,374	$0	$105,374
BECKY RIEHM	Director	1.00	Director	$0	$0	$0
FRANK MILLER	Director	2.00	Director	$0	$0	$0
SHEILA KITTLESON	Director	2.00	Director	$0	$0	$0
GORDIE SORENSEN	Director	2.00	Director	$0	$0	$0
MICHAEL TAYLOT	Director	1.00	Director	$0	$0	$0
JON AVERHOFF	Director	1.00	Director	$0	$0	$0
LARRY BOCKES	Director	1.00	Director	$0	$0	$0
MEGHAN SULLIVAN	Director	1.00	Director	$0	$0	$0
BEN FISHER	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	$14,506,684	$10,990,391	$233,879,507	$3,516,293
2024	$12,608,901	$9,286,636	$211,728,710	$3,322,265
2023	$10,430,628	$7,491,395	$192,111,265	$2,939,233
2022	$7,994,501	$5,771,028	$180,405,285	$2,223,473
2021	$6,847,220	$5,022,557	$172,003,870	$1,824,663
2020	$6,472,533	$5,052,588	$148,176,863	$1,419,945
2019	$6,179,525	$4,564,728	$127,129,359	$1,614,797
2018	$5,807,419	$3,948,783	$119,493,860	$1,858,636

CEDAR FALLS COMMUNITY CREDIT UNION