LAMOURE CREDIT UNION (EIN 450258543) - 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

Phone

7018835241

Tax Period

2025-01-01 to 2025-12-31

LAMOURE CREDIT UNION, founded in 1940, is a community nonprofit that reported $2.0M in total revenue in fiscal year 2025. Revenue decreased 6% compared to the prior year. The organization ran a surplus of $735K, a strong 37% operating margin.

Mission

THE ORG IS A STATE CHARTERED CREDIT UNION WHICH IS ORGANIZED AND OPERATED FOR MUTUAL PURPOSES.

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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 $1,230,228

Investment Income $770,059

Other Revenue $7,800

TOTAL REVENUE $2,008,087

Expense Breakdown

Grants Paid $0

Salaries & Benefits $484,208

Fundraising Expenses $0

Other Expenses $309,220

TOTAL EXPENSES $1,273,014

Year-over-Year Comparison

	2025	2024	Change
Revenue	$2,008,087	$2,135,603	-0.1%
Expenses	$1,273,014	$1,165,746	+0.1%
Net Income	$735,073	$969,857	-0.2%

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

$179,190

Total Directors

$590

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ERIC MUSLAND	MANAGERTREASURER	50.00	Officer	$167,140	$11,700	$178,840
GLORIA LAUF	SECRETARY	1.00	Officer Director	$120	$0	$120
BARRY TOWNSEND	PRESIDENT	1.00	Officer Director	$120	$0	$120
JAMES RUFSVOLD	DIRECTOR	1.00	Director	$120	$0	$120
LARRY KAUL	DIRECTOR	1.00	Director	$120	$0	$120
KATHY EXNER	VICE PRESIDENT	1.00	Officer Director	$110	$0	$110

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	$2,008,087	$1,273,014	$39,942,364	$735,073
2024	$2,135,603	$1,165,746	$37,948,728	$969,857
2023	$1,632,175	$912,815	$34,917,736	$719,360
2022	$962,775	$664,865	$36,107,391	$297,910
2021	$804,741	$584,404	$33,575,536	$220,337
2020	$897,097	$622,935	$29,887,326	$274,162
2019	$1,023,522	$727,177	$24,398,283	$296,345
2018	$1,005,411	$707,531	$25,142,437	$297,880

LAMOURE CREDIT UNION