LISBON FARMERS UNION CREDIT UNION (EIN 450273189) - 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

1946

Legal Domicile

Principal Officer

OWEN TRANGSRUD

Phone

7016832296

Tax Period

2025-01-01 to 2025-12-31

LISBON FARMERS UNION CREDIT UNION, founded in 1946, is a small nonprofit that reported $244K in total revenue in fiscal year 2025. Revenue decreased 10% compared to the prior year. Expenses of $234K left a modest 4% surplus.

Mission

THE ORGANIZATION IS A MEMBER OWNED CREDIT UNION THAT HAS PROVIDED SAVINGS AND LOAN OPTIONS FOR 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 $165,691

Investment Income $78,318

Other Revenue $299

TOTAL REVENUE $244,308

Expense Breakdown

Grants Paid $0

Salaries & Benefits $82,126

Fundraising Expenses $0

Other Expenses $151,627

TOTAL EXPENSES $233,753

Year-over-Year Comparison

	2025	2024	Change
Revenue	$244,308	$271,937	-0.1%
Expenses	$233,753	$238,575	0.0%
Net Income	$10,555	$33,362	-0.7%

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

$9,795

Total Directors

$39,121

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
HEIDI HOENHAUSE	DIRECTOR	40.00	Director	$39,121	$0	$39,121
THERESA KLIENSASSER	TREASURER	40.00	Officer	$9,795	$0	$9,795
WILFRED ANDERSON	DIRECTOR	1.00	Director	$0	$0	$0
LARRY CARTER	DIRECTOR	1.00	Director	$0	$0	$0
CONNIE GILBERT	DIRECTOR	1.00	Director	$0	$0	$0
CAMERON GULLESON	DIRECTOR	1.00	Director	$0	$0	$0
PAUL NELSON	DIRECTOR	1.00	Director	$0	$0	$0
TIMOTHY REHBURG	DIRECTOR	1.00	Director	$0	$0	$0
ANDY DEVITT	VICE PRESIDE	1.00	Officer	$0	$0	$0
OWEN TRANGSRUD	PRESIDENT	5.00	Officer	$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	$244,308	$233,753	$4,379,760	$10,555
2024	No data	No data	No data	No data
2023	$207,560	$247,264	$4,529,992	$-39,704
2022	$206,687	$250,608	$4,670,080	$-43,921
2021	$171,527	$165,843	$4,363,182	$5,684
2020	$167,337	$293,061	$4,179,953	$-125,724
2019	$154,447	$203,626	$4,266,748	$-49,179
2018	$208,018	$231,933	$4,422,451	$-23,915

LISBON FARMERS UNION CREDIT UNION