POLK COUNTY CREDIT UNION (EIN 426064396) - 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

1955

Legal Domicile

Principal Officer

KRISSY KATZMANN

Phone

5152448647

Tax Period

2025-01-01 to 2025-12-31

POLK COUNTY CREDIT UNION, founded in 1955, is a small nonprofit that reported $369K in total revenue in fiscal year 2025. Expenses of $339K left a modest 8% surplus.

Mission

NON-PROFIT MEMBER OWNED COOPERATIVE FINANCIAL INSTITUTION.

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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 $349,631

Investment Income $0

Other Revenue $19,008

TOTAL REVENUE $368,639

Expense Breakdown

Grants Paid $0

Salaries & Benefits $158,666

Fundraising Expenses $0

Program Expenses $338,639

Other Expenses $179,973

TOTAL EXPENSES $338,639

Year-over-Year Comparison

	2025	2024	Change
Revenue	$368,639	$343,352	+0.1%
Expenses	$338,639	$293,352	+0.2%
Net Income	$30,000	$50,000	-0.4%

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

$139,937

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
TODD COPLEY	CHAIRMAN	1.00	Officer Director	$0	$0	$0
CHRIS CUTLER	VICE CHAIRPERSON	1.00	Officer Director	$0	$0	$0
MICHELLE VAUGHAN	SECRETARY	1.00	Officer Director	$0	$0	$0
STACY BIONDI	AUDIT CHAIR	2.00	Director	$0	$0	$0
JENNY COHAN	AUDIT COMMITTEE	1.00	Director	$0	$0	$0
BRADFORD MOIST	AUDIT COMMITTEE	1.00	Director	$0	$0	$0
DAVID EVELETH	CREDIT CHAIR	1.00	Director	$0	$0	$0
PAUL FILIPPELLI	CREDIT COMMITTEE	1.00	Director	$0	$0	$0
NANCY ALBRIGHT-ANDREW	CREDIT COMMITTEE	1.00	Director	$0	$0	$0
KRISSY KATZMANN	CEO	40.00	Officer	$66,786	$15,562	$82,348
MARY VONESH	ASSISTANT MANAGER	40.00	Officer	$57,489	$100	$57,589

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	$368,639	$338,639	$5,508,756	$30,000
2024	$343,352	$293,352	$5,442,100	$50,000
2023	$326,967	$286,967	$5,093,395	$40,000
2022	$282,344	$252,344	$6,482,443	$30,000
2021	$270,119	$246,243	$7,267,562	$23,876
2020	$291,682	$249,216	$6,920,204	$42,466
2019	$300,005	$254,176	$5,695,977	$45,829
2018	$272,937	$237,305	$5,430,954	$35,632

POLK COUNTY CREDIT UNION