MISSOURI ELECTRIC COOPERATIVE EMPL… - Form 990 Financial Data

🔒

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

1975

Legal Domicile

Principal Officer

RANDY MARKS

Phone

5736342595

Tax Period

2025-01-01 to 2025-12-31

MISSOURI ELECTRIC COOPERATIVE EMPLOYEES' CREDIT UNION, founded in 1975, is a mid-sized nonprofit that reported $17.6M in total revenue in fiscal year 2025. Revenue grew 18% year-over-year, indicating healthy expansion. The organization ran a surplus of $4.3M, a strong 25% operating margin.

Mission

PERSONALIZED FINANCIAL SERVICES PROVIDED BY A DEDICATED STAFF WITH SUCCESSFUL RESULTS.

Program Service Accomplishments

Program 1

PROVIDES FINANCIAL AND FINANCIALLY RELATED SERVICES TO 13,601 MEMBERS.

Program 2

PROVIDES A SOURCE OF CREDIT TO MEMBERS AT A FAIR AND REASONABLE RATE OF INTEREST. AS OF DECEMBER 31, 2025, THERE WERE 9,354 LOANS OUTSTANDING TOTALING $226,256,604.

Program 3

PAID DIVIDENDS ON MEMBER DEPOSITS TOTALING $8,054,362 FOR THE YEAR.

🔒

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 $13,736,017

Investment Income $3,822,369

Other Revenue $18,055

TOTAL REVENUE $17,576,441

Expense Breakdown

Grants Paid $2,475

Salaries & Benefits $2,551,292

Fundraising Expenses $0

Other Expenses $10,672,751

TOTAL EXPENSES $13,226,518

Year-over-Year Comparison

	2025	2024	Change
Revenue	$17,576,441	$14,956,325	+0.2%
Expenses	$13,226,518	$11,614,256	+0.1%
Net Income	$4,349,923	$3,342,069	+0.3%

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

$370,637

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MATT SHARP	DIRECTOR	1.00	Director	$0	$0	$0
KENT BROWN	CHAIRPERSON	1.00	Director	$0	$0	$0
RHONDA ROBISON	DIRECTOR	1.00	Director	$0	$0	$0
TIM SHAFER	DIRECTOR	1.00	Director	$0	$0	$0
CATHY MCKAY	DIRECTOR	1.00	Director	$0	$0	$0
ZACHARY KOLB	DIRECTOR	1.00	Director	$0	$0	$0
HELEY HUDSON	DIRECTOR	1.00	Director	$0	$0	$0
CHRISTA BAUMHOER	DIRECTOR	1.00	Director	$0	$0	$0
ANGI HERMAN	DIRECTOR	1.00	Director	$0	$0	$0
RANDY MARKS	PRESIDENT/MANAGER	40.00	Officer	$288,224	$82,413	$370,637
GARY BRUEMMER	ACCOUNTANT	40.00	Highest	$171,999	$59,682	$231,681
AMY WRIGHT	LOAN OFFICER	40.00	Highest	$117,581	$23,997	$141,578
JAY ERNST	SENIOR LOAN OFFICER	40.00	Highest	$148,920	$55,350	$204,270
DEVEN MCDONALD	OFFICE MANAGER	40.00	Highest	$114,257	$45,642	$159,899
RAY SMITH	VP OF IT	40.00	Highest	$117,636	$47,056	$164,692

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	$17,576,441	$13,226,518	$366,321,830	$4,349,923
2024	$14,956,325	$11,614,256	$327,886,715	$3,342,069
2023	$12,443,888	$9,920,202	$312,966,634	$2,523,686
2022	$10,181,059	$6,789,754	$302,522,493	$3,391,305
2021	$9,658,070	$6,088,936	$280,806,125	$3,569,134
2020	$9,428,408	$6,461,530	$248,024,828	$2,966,878
2019	$7,962,842	$5,875,571	$208,017,874	$2,087,271
2018	$6,938,074	$5,311,312	$182,504,093	$1,626,762

MISSOURI ELECTRIC COOPERATIVE EMPLOYEES' CREDIT UNION