METCO CREDIT UNION (EIN 420835734) - 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

1957

Legal Domicile

Principal Officer

BRAD MERTENS

Phone

3193985007

Tax Period

2025-01-01 to 2025-12-31

METCO CREDIT UNION, founded in 1957, is a community nonprofit that reported $3.7M in total revenue in fiscal year 2025. The organization ran a surplus of $1.5M, a strong 41% operating margin.

Mission

TO HELP MEMBERS WITH THEIR FINANCES, ACCEPT DEPOSITS AND MAKE LOANS.

🔒

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 $2,163,001

Investment Income $1,034,385

Other Revenue $496,981

TOTAL REVENUE $3,694,367

Expense Breakdown

Grants Paid $0

Salaries & Benefits $684,186

Fundraising Expenses $0

Program Expenses $2,193,933

Other Expenses $1,509,747

TOTAL EXPENSES $2,193,933

Year-over-Year Comparison

	2025	2024	Change
Revenue	$3,694,367	$3,504,632	+0.1%
Expenses	$2,193,933	$2,150,153	+0.0%
Net Income	$1,500,434	$1,354,479	+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

$190,116

Total Directors

$190,116

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ANN OLSON	CHAIRMAN	1.00	Officer Director	$0	$0	$0
DOMINIC WIBE	SECRETARY	1.00	Officer Director	$0	$0	$0
DANNIELLE BOSTON	BOARD MEMBER	0.75	Director	$0	$0	$0
DARRELL CANNON	BOARD MEMBER	0.75	Director	$0	$0	$0
CHRIS SISCO	BOARD MEMBER	0.75	Director	$0	$0	$0
WENDEE EALY	BOARD MEMBER	0.75	Director	$0	$0	$0
ROBERT BURNS	BOARD MEMBER	0.75	Director	$0	$0	$0
BENJAMIN GRIFFIN	BOARD MEMBER	1.00	Director	$0	$0	$0
BRAD MERTENS	PRESIDENT/CEO/CFO	45.00	Officer Director	$149,869	$40,247	$190,116

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	$3,694,367	$2,193,933	$56,697,284	$1,500,434
2024	$3,504,632	$2,150,153	$53,309,346	$1,354,479
2023	$2,933,328	$1,868,222	$51,114,083	$1,065,106
2022	$2,042,977	$1,511,566	$48,586,801	$531,411
2021	$2,079,830	$1,455,775	$49,036,368	$624,055
2020	$2,105,477	$1,477,317	$44,375,606	$628,160
2019	$2,206,928	$1,673,506	$36,772,129	$533,422
2018	$1,786,576	$1,556,026	$33,221,990	$230,550

METCO CREDIT UNION