FORT DODGE FAMILY CREDIT UNION (EIN 426066958) - 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

1940

Legal Domicile

Principal Officer

JULIE PINGEL

Phone

5155731160

Tax Period

2024-01-01 to 2024-12-31

FORT DODGE FAMILY CREDIT UNION, founded in 1940, is a community nonprofit that reported $2.9M in total revenue in fiscal year 2024. Revenue grew 9% year-over-year, indicating healthy expansion. Expenses of $2.7M left a modest 7% surplus.

Mission

STATE CHARTERED CREDIT UNION

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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 (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $2,209,166

Investment Income $724,622

Other Revenue $0

TOTAL REVENUE $2,933,788

Expense Breakdown

Grants Paid $0

Salaries & Benefits $864,254

Fundraising Expenses $0

Other Expenses $1,871,811

TOTAL EXPENSES $2,736,065

Year-over-Year Comparison

	2024	2023	Change
Revenue	$2,933,788	$2,697,332	+0.1%
Expenses	$2,736,065	$2,374,109	+0.2%
Net Income	$197,723	$323,223	-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

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
ANDREW CAMPBELL	BOARD MEMBER	1.00	Director	$0	$0	$0
MARSHA CONDON	BOARD MEMBER	1.00	Director	$0	$0	$0
CHRIS HANSON	BOARD MEMBER	1.00	Director	$0	$0	$0
CURT LEHMAN	BOARD MEMBER	1.00	Director	$0	$0	$0
LINDA MERSCH	BOARD MEMBER	1.00	Director	$0	$0	$0
PAM MOELLER	BOARD MEMBER	1.00	Director	$0	$0	$0
ALEX TAYLOR	BOARD MEMBER	1.00	Director	$0	$0	$0
JOSETTE WHITE	BOARD MEMBER	1.00	Director	$0	$0	$0
DALLAS WOOCK	BOARD MEMBER	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
2024	$2,933,788	$2,736,065	$40,564,666	$197,723
2023	$2,697,332	$2,374,109	$38,373,067	$323,223
2022	$2,185,001	$2,118,676	$39,681,951	$66,325
2021	$1,813,914	$1,597,612	$41,092,626	$216,302
2020	$1,783,003	$1,480,908	$37,384,808	$302,095
2019	$1,928,392	$1,613,614	$31,070,785	$314,778
2018	$1,704,632	$1,467,537	$29,651,953	$237,095

FORT DODGE FAMILY CREDIT UNION