NORTHWEST MISSOURI REGIONAL CREDIT UNION (EIN 440560851) - 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

1933

Legal Domicile

Principal Officer

AMY JOHNSON

Phone

6605825747

Tax Period

2025-01-01 to 2025-12-31

NORTHWEST MISSOURI REGIONAL CREDIT UNION, founded in 1933, is a small nonprofit that reported $798K in total revenue in fiscal year 2025. Expenses of $734K left a modest 8% surplus.

Mission

PROVIDE A FAIR AND REASONABLE RATE OF INTEREST FOR MUTUAL BENEFIT AND GENERAL WELFARE OF ITS MEMBERS WITH EARNINGS, SAVINGS, AND SERVICES DISTRIBUTED TO ITS MEMBERS.

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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 $707,333

Investment Income $87,562

Other Revenue $2,608

TOTAL REVENUE $797,503

Expense Breakdown

Grants Paid $0

Salaries & Benefits $314,374

Fundraising Expenses $0

Other Expenses $419,351

TOTAL EXPENSES $733,725

Year-over-Year Comparison

	2025	2024	Change
Revenue	$797,503	$818,165	0.0%
Expenses	$733,725	$713,010	+0.0%
Net Income	$63,778	$105,155	-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

$110,803

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
BECKY BYLAND	BOARD PRESIDENT	1.00	Director	$0	$0	$0
DAVID PRIMM	BOARD SECRETARY / TREASURE	1.00	Director	$0	$0	$0
RAYMOND COURTER	BOARD MEMBER	1.00	Director	$0	$0	$0
NICKOLAS FREEMAN	BOARD MEMBER	1.00	Director	$0	$0	$0
COBY LAMB	BOARD MEMBER	1.00	Director	$0	$0	$0
PATRICIA WYATT	BOARD MEMBER	1.00	Director	$0	$0	$0
BARBARA WALK	BOARD MEMBER	1.00	Director	$0	$0	$0
NIKKI HACKETT	BOARD MEMBER	1.00	Director	$0	$0	$0
LATESSA RUEHTER	BOARD MEMBER	1.00	Director	$0	$0	$0
AMY JOHNSON	PRESIDENT	45.00	Officer	$107,745	$3,058	$110,803

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	$797,503	$733,725	$11,157,928	$63,778
2024	$818,165	$713,010	$10,354,317	$105,155
2023	$757,067	$657,324	$10,942,687	$99,743
2022	$655,737	$602,309	$11,350,789	$53,428
2021	$630,574	$569,986	$11,538,698	$60,588
2020	$567,476	$539,725	$9,897,401	$27,751
2019	$603,989	$532,400	$9,000,434	$71,589
2018	$572,365	$517,502	$8,537,051	$54,863

NORTHWEST MISSOURI REGIONAL CREDIT UNION