NGPL Employees Credit Union (EIN 420861953) - 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

1958

Legal Domicile

Principal Officer

ERIN L GOERING

Phone

5156813416

Tax Period

2023-01-01 to 2023-07-31

NGPL Employees Credit Union, founded in 1958, is a micro nonprofit that reported $47K in total revenue in fiscal year 2023. Revenue fell 27% from the prior year — a significant decline worth monitoring. The organization ran a surplus of $20K, a strong 41% operating margin.

Mission

The Credit Union provides financial services to qualified 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 (2023)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $10,570

Investment Income $36,666

Other Revenue $0

TOTAL REVENUE $47,236

Expense Breakdown

Grants Paid $0

Salaries & Benefits $12,980

Fundraising Expenses $0

Program Expenses $18,152

Other Expenses $5,171

TOTAL EXPENSES $27,654

Year-over-Year Comparison

	2023	2022	Change
Revenue	$47,236	$64,557	-0.3%
Expenses	$27,654	$64,557	-0.6%
Net Income	$19,582	N/A	N/A

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

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

$9,625

Total Directors

$9,625

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
WILLIAM D CURRY	Chairman of the Board	N/A	Director	$0	$0	$0
CHRISTIAN C JENSEN	Vice Chairman of Board	N/A	Director	$0	$0	$0
NANCY HOWARD	Secretary	N/A	Director	$0	$0	$0
NATHAN BAIER	Director	N/A	Director	$0	$0	$0
JEFF PHILLIPS	Director	N/A	Director	$0	$0	$0
JAMES GIPPLE	Director	N/A	Director	$0	$0	$0
LARRY SKALBERG	Director	N/A	Director	$0	$0	$0
KEVIN MORGAN	Director	N/A	Director	$0	$0	$0
ERIN L GOERING	CFOManager	N/A	Officer Director	$9,625	$0	$9,625

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
2023	$47,236	$27,654	No data	$19,582
2022	$64,557	$64,557	$2,600,118	No data
2021	$67,778	$63,542	$2,488,579	$4,236
2020	$65,889	$60,581	$2,853,858	$5,308

NGPL Employees Credit Union