MEMBERS COMMUNITY CREDIT UNION (EIN 426061099) - 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

TIM CHAPMAN

Phone

5632647210

Tax Period

2025-01-01 to 2025-12-31

MEMBERS COMMUNITY CREDIT UNION, founded in 1957, is a community nonprofit that reported $6.5M in total revenue in fiscal year 2025. Revenue grew 11% year-over-year, indicating healthy expansion. The organization ran a surplus of $1.1M, a strong 17% 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 $5,495,557

Investment Income $996,656

Other Revenue $0

TOTAL REVENUE $6,492,213

Expense Breakdown

Grants Paid $0

Salaries & Benefits $2,076,865

Fundraising Expenses $0

Other Expenses $3,288,630

TOTAL EXPENSES $5,365,495

Year-over-Year Comparison

	2025	2024	Change
Revenue	$6,492,213	$5,868,573	+0.1%
Expenses	$5,365,495	$4,890,014	+0.1%
Net Income	$1,126,718	$978,559	+0.2%

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
TIM CHAPMAN	CEO	40.00		$293,109	$0	$293,109
SAMANTHA EATON	VICE PRESIDENT	40.00		$129,805	$0	$129,805
DARCY CABRERA	COO	40.00		$112,196	$0	$112,196
HEATHER NEUWEG	MARKETING DIR	40.00		$105,773	$0	$105,773
MEGAN FRANCIS	Director	1.00	Director	$0	$0	$0
PHIL SCHLIESMAN	Director	1.00	Director	$0	$0	$0
DONALD CURRY	Director	1.00	Director	$0	$0	$0
ANTHONY CLINE	Director	1.00	Director	$0	$0	$0
PAM CROWE	Director	1.00	Director	$0	$0	$0
JOE KEITEL	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	$6,492,213	$5,365,495	$95,166,791	$1,126,718
2024	No data	No data	No data	No data
2023	$5,140,477	$3,943,353	$82,346,534	$1,197,124
2022	$4,262,910	$3,492,185	$79,580,273	$770,725
2021	$4,094,769	$3,484,492	$81,883,094	$610,277
2020	$3,975,041	$3,548,649	$75,745,038	$426,392
2019	$4,022,838	$3,465,212	$62,145,604	$557,626
2018	$3,547,359	$3,082,062	$58,995,840	$465,297

MEMBERS COMMUNITY CREDIT UNION