FORT DODGE FAMILY CREDIT UNION

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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

2025-01-01 to 2025-12-31

FORT DODGE FAMILY CREDIT UNION, founded in 1940, is a community nonprofit that reported $2.8M in total revenue in fiscal year 2025. Expenses of $2.7M left a modest 3% surplus.

Mission

STATE CHARTERED CREDIT UNION

Program Service Accomplishments

Program 1

N/A

Program 2

N/A

Program 3

N/A

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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 $2,158,897

Investment Income $683,266

Other Revenue $0

TOTAL REVENUE $2,842,163

Expense Breakdown

Grants Paid $0

Salaries & Benefits $786,592

Fundraising Expenses $0

Other Expenses $1,963,062

TOTAL EXPENSES $2,749,654

Year-over-Year Comparison

	2025	2024	Change
Revenue	$2,842,163	$2,933,788	0.0%
Expenses	$2,749,654	$2,736,065	+0.0%
Net Income	$92,509	$197,723	-0.5%

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

$11,100

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JULIE PINGEL	MANAGER	45.00		$113,600	$0	$113,600
ANDREW CAMPBELL	Director	1.00	Director	$1,500	$0	$1,500
CHRIS HANSON	Director	1.00	Director	$1,500	$0	$1,500
CURTIS LEHMAN	Director	1.00	Director	$1,500	$0	$1,500
LINDA MERSCH	Director	1.00	Director	$1,500	$0	$1,500
PAM MOELLER	Director	1.00	Director	$1,500	$0	$1,500
ALEX TAYLOR	Director	1.00	Director	$1,200	$0	$1,200
JOSETTE WHITE	Director	1.00	Director	$1,200	$0	$1,200
DALLAS WOOCK	Director	1.00	Director	$1,200	$0	$1,200
MELLE SUTTON	Director	0.00	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	$2,842,163	$2,749,654	$41,381,188	$92,509
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