Archer Cooperative Credit Union

EIN: 470093680

Archer, NE

Total Revenue
$7,193,667
Total Expenses
$6,076,474
Total Assets
$105,407,500
Net Assets
$10,441,750
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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
1984
Legal Domicile
NE
Principal Officer
Michael D Kezeor
Phone
3087952204
Tax Period
2025-01-01 to 2025-12-31

Archer Cooperative Credit Union, founded in 1984, is a community nonprofit that reported $7.2M in total revenue in fiscal year 2025. Revenue grew 12% year-over-year, indicating healthy expansion. The organization ran a surplus of $1.1M, a strong 16% operating margin.

Mission

State chartered credit union.

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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%)

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Financial Overview (2025)

Revenue Breakdown

Contributions & Grants $0
Program Service Revenue $6,704,915
Investment Income $488,752
Other Revenue $0
TOTAL REVENUE $7,193,667

Expense Breakdown

Grants Paid $0
Salaries & Benefits $2,395,981
Fundraising Expenses $0
Program Expenses $6,076,474
Other Expenses $3,680,493
TOTAL EXPENSES $6,076,474

Year-over-Year Comparison

2025 2024 Change
Revenue $7,193,667 $6,418,555 +0.1%
Expenses $6,076,474 $5,889,535 +0.0%
Net Income $1,117,193 $529,020 +1.1%
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

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Governance

Voting Members
7
Independent Members
7
Employees
30
Volunteers
12

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
0
$0
Total Directors
8
$179,864
Key Employees
1
$179,864
Highest Compensated
1
reported
Name Title Hours/Week Role Reportable Comp Other Comp Total
Gerald Woodgate Board Member 1.00
Director
$0 $0 $0
Delcy Falk Board Member 1.00
Director
$0 $0 $0
Leanne Luebbe Board Member 1.00
Director
$0 $0 $0
Richard Moore Board Member 1.00
Director
$0 $0 $0
Sean Wagner Board Member 1.00
Director
$0 $0 $0
Tracey Hefner Board Member 1.00
Director
$0 $0 $0
Verlen Larsen Board Member 1.00
Director
$0 $0 $0
Michael Kezeor President and CEO 40.00
Director Key Emp
$179,864 $0 $179,864
Tyson Benner Chief Lending Officer 40.00
Highest
$122,938 $0 $122,938
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 $7,193,667 $6,076,474 $105,407,500 $1,117,193
2024 $6,418,555 $5,889,535 $95,590,807 $529,020
2023 $5,420,203 $4,693,345 $90,734,382 $726,858
2022 $4,250,495 $3,766,646 $88,466,707 $483,849
2021 $4,289,954 $3,727,319 $81,729,642 $562,635
2020 $3,755,385 $3,844,709 $77,688,199 $-89,324
2019 $3,748,391 $3,724,255 $72,442,410 $24,136
2018 $3,466,054 $3,113,826 $68,947,351 $352,228
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