MEMBERSOWN CREDIT UNION (EIN 470222540) - Form 990 Financial Analysis & Trantor Score

🔒

Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

Sign in with your work email to view Tuckman-Chang indicators

Financial Trends

Organization Details

Formation Year

1936

Legal Domicile

Principal Officer

LINDA CARTER

Phone

4024365365

Tax Period

2025-01-01 to 2025-12-31

MEMBERSOWN CREDIT UNION, founded in 1936, is a community nonprofit that reported $7.1M in total revenue in fiscal year 2025. Expenses of $6.3M left a modest 12% surplus.

Mission

STATE CHARTERED CREDIT UNION

🔒

Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

Sign in to view Trantor Score and financial metrics

Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $6,275,632

Investment Income $831,241

Other Revenue $0

TOTAL REVENUE $7,106,873

Expense Breakdown

Grants Paid $0

Salaries & Benefits $2,002,473

Fundraising Expenses $0

Other Expenses $4,249,887

TOTAL EXPENSES $6,252,360

Year-over-Year Comparison

	2025	2024	Change
Revenue	$7,106,873	$6,840,673	+0.0%
Expenses	$6,252,360	$5,749,185	+0.1%
Net Income	$854,513	$1,091,488	-0.2%

Key Indicators

✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✗ Schedule B Required

🔒

Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

Sign in to view all financial metrics

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
PAUL BARNETT	Director	1.00	Director	$0	$0	$0
JEFF CHAMBERS	Director	1.00	Director	$0	$0	$0
STEVE HUBKA	Director	1.00	Director	$0	$0	$0
DAVE ESKRA	Director	1.00	Director	$0	$0	$0
CHRIS KORTUM	Director	1.00	Director	$0	$0	$0
DARIN OLSON	Director	1.00	Director	$0	$0	$0
KATE MCCOWAN	Director	1.00	Director	$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	$7,106,873	$6,252,360	$107,444,787	$854,513
2024	No data	No data	No data	No data
2023	$5,920,828	$4,972,295	$112,864,025	$948,533
2022	$4,646,541	$3,816,148	$113,012,873	$830,393
2021	$4,655,476	$3,717,794	$113,772,134	$937,682
2020	$4,324,960	$4,110,666	$107,461,665	$214,294
2019	$4,415,667	$4,026,280	$100,053,627	$389,387
2018	$4,264,102	$3,611,542	$98,972,052	$652,560

MEMBERSOWN CREDIT UNION