MED PARK CREDIT UNION (EIN 450283861) - 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

1965

Legal Domicile

Principal Officer

Veronica Holweger

Phone

7017570793

Tax Period

2025-01-01 to 2025-12-31

MED PARK CREDIT UNION, founded in 1965, is a community nonprofit that reported $1.1M in total revenue in fiscal year 2025. The organization ran a surplus of $205K, a strong 19% operating margin.

Mission

Our credit union is a cooperative owned and operated by its members. Our goal is to strengthen our community through social responsiblity and meeting the financial needs of our members, while maintaining our financial stability.

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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 $0

Investment Income $0

Other Revenue $1,098,987

TOTAL REVENUE $1,098,987

Expense Breakdown

Grants Paid $0

Salaries & Benefits $399,093

Fundraising Expenses $0

Program Expenses $0

Other Expenses $494,788

TOTAL EXPENSES $893,881

Year-over-Year Comparison

	2025	2024	Change
Revenue	$1,098,987	$1,155,269	0.0%
Expenses	$893,881	$826,515	+0.1%
Net Income	$205,106	$328,754	-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

1515

Independent Members

1515

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

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Veronica Holweger	CEO	40.00	Highest	$134,097	$0	$134,097
Sheila Piper	Board member	1.00	Director	$0	$0	$0
Ron Piper	Board Member	1.00	Director	$0	$0	$0
Terra Nuelle	Board Member	1.00	Director	$0	$0	$0
Nancy Miller	Board Member	1.00	Director	$0	$0	$0
Paul Edman	President	1.00	Officer	$0	$0	$0
Shelley Bakke	Secretary	1.00	Officer	$0	$0	$0
Linda Butler	Vice President	1.00	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	$1,098,987	$893,881	$18,043,465	$205,106
2024	$1,155,269	$826,515	$18,010,363	$328,754
2023	$873,873	$811,012	$17,083,259	$62,861
2022	$685,194	$634,863	$19,926,342	$50,331
2021	$599,438	$648,743	$20,210,289	$-49,305
2020	$671,058	$652,907	$18,596,535	$18,151
2019	$757,150	$644,789	$16,437,672	$112,361
2018	$637,992	$539,248	$17,804,946	$98,744

MED PARK CREDIT UNION