NORTH PLATTE UNION PACIFIC EMPLOYEES CREDIT UNION (EIN 470384922) - 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

1971

Legal Domicile

Principal Officer

BEN SWEDBURG

Phone

3085324426

Tax Period

2024-01-01 to 2024-12-31

NORTH PLATTE UNION PACIFIC EMPLOYEES CREDIT UNION, founded in 1971, is a community nonprofit that reported $2.1M in total revenue in fiscal year 2024. Revenue grew 20% year-over-year, indicating healthy expansion. Expenses of $1.9M left a modest 9% surplus.

Mission

PROVIDE QUALITY FINANCIAL SERVICES TO MEMBERS AND MAINTAIN THE CREDIT UNION LONG-TERM FINANCIAL STABILITY WHILE SAFEGUARDING MEMBER ASSETS.

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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 (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $1,200,532

Investment Income $619,061

Other Revenue $302,820

TOTAL REVENUE $2,122,413

Expense Breakdown

Grants Paid $0

Salaries & Benefits $572,645

Fundraising Expenses $0

Program Expenses $1,733,637

Other Expenses $1,362,623

TOTAL EXPENSES $1,935,268

Year-over-Year Comparison

	2024	2023	Change
Revenue	$2,122,413	$1,770,884	+0.2%
Expenses	$1,935,268	$1,636,020	+0.2%
Net Income	$187,145	$134,864	+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

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
DAN DISHMAN	DIRECTOR	N/A	Director	$0	$0	$0
CHRIS HAYES	DIRECTOR	N/A	Director	$0	$0	$0
JIM JACKSON	DIRECTOR	N/A	Director	$0	$0	$0
PAT SMITH	DIRECTOR	N/A	Director	$0	$0	$0
RICHARD FORAN	VICE PRESIDE	N/A	Officer	$0	$0	$0
BEN SWEDBURG	PRESIDENT	N/A	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
2024	$2,122,413	$1,935,268	$41,171,471	$187,145
2023	$1,770,884	$1,636,020	$40,839,518	$134,864
2022	$1,402,379	$1,228,249	$40,417,919	$174,130
2021	$1,323,165	$1,104,992	$40,017,675	$218,173
2020	$1,402,962	$1,223,116	$39,566,299	$179,846
2019	$1,431,957	$1,314,810	$36,714,852	$117,147
2018	$1,420,192	$1,204,016	$35,057,814	$216,176

NORTH PLATTE UNION PACIFIC EMPLOYEES CREDIT UNION