SIOUX VALLEY COMMUNITY CREDIT UNION (EIN 420837840) - Form 990 Financial Analysis & Trantor Score

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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

1952

Legal Domicile

Principal Officer

JOHN PARKS

Phone

7122771440

Tax Period

2025-01-01 to 2025-12-31

SIOUX VALLEY COMMUNITY CREDIT UNION, founded in 1952, is a community nonprofit that reported $2.5M in total revenue in fiscal year 2025.

Mission

OPERATE FOR THE PRIMARY PURPOSE OF PROMOTING THRIFT, PROVIDING CREDIT AT REASONABLE RATES, AND PROVIDING OTHER FINANCIAL SERVICES TO ITS MEMBERS.

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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 $1,467,866

Investment Income $623,445

Other Revenue $434,637

TOTAL REVENUE $2,525,948

Expense Breakdown

Grants Paid $0

Salaries & Benefits $922,777

Fundraising Expenses $0

Program Expenses $2,460,202

Other Expenses $1,537,425

TOTAL EXPENSES $2,460,202

Year-over-Year Comparison

	2025	2024	Change
Revenue	$2,525,948	$2,460,264	+0.0%
Expenses	$2,460,202	$2,200,972	+0.1%
Net Income	$65,746	$259,292	-0.7%

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

$229,476

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ANN HILL	BOARD CHAIRPERSON	2.00	Officer Director	$0	$0	$0
ROLAND FOSTER	BOARD CFO	0.50	Officer Director	$0	$0	$0
SANDY FETTERMAN	BOARD PRESIDENT	0.50	Officer Director	$0	$0	$0
DEBRA WILSON	BOARD SECRETARY	1.50	Officer Director	$0	$0	$0
SHEILA ALIOTH	CREDIT CHAIR	1.00	Director	$0	$0	$0
PHILIP WELTE	AUDIT CHAIR	1.00	Director	$0	$0	$0
TOM MURPHY	CREDIT COMMITTEE	1.00	Director	$0	$0	$0
TRINETTE PATTERSON	AUDIT COMMITTEE	1.00	Director	$0	$0	$0
CRYSTAL UNKEL	AUDIT COMMITTEE	1.00	Director	$0	$0	$0
JOHN PARKS	CEO/MANAGER	40.00	Officer	$124,539	$29,628	$154,167
AMIE REYNOLDS	DIRECTOR OF OPERATIONS	40.00	Officer	$66,106	$9,203	$75,309

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	$2,525,948	$2,460,202	$41,689,165	$65,746
2024	$2,460,264	$2,200,972	$39,026,121	$259,292
2023	$1,944,643	$1,686,675	$37,007,858	$257,968
2022	$1,478,027	$1,397,799	$36,890,475	$80,228
2021	$1,269,796	$1,267,333	$36,121,360	$2,463
2020	$1,244,754	$1,421,154	$33,760,429	$-176,400
2019	$1,380,185	$1,356,581	$27,585,087	$23,604
2018	$1,332,675	$1,360,735	$28,380,660	$-28,060

SIOUX VALLEY COMMUNITY CREDIT UNION