NEBRASKA STATE EMPLOYEES CREDIT UNION (EIN 470393246) - 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

1941

Legal Domicile

Principal Officer

JOSH BALDWIN

Phone

4024712561

Tax Period

2025-01-01 to 2025-12-31

NEBRASKA STATE EMPLOYEES CREDIT UNION, founded in 1941, is a community nonprofit that reported $1.9M in total revenue in fiscal year 2025. The organization ran a surplus of $494K, a strong 26% 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%)

Financial Overview (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $971,802

Investment Income $939,673

Other Revenue $0

TOTAL REVENUE $1,911,475

Expense Breakdown

Grants Paid $0

Salaries & Benefits $529,708

Fundraising Expenses $0

Other Expenses $887,629

TOTAL EXPENSES $1,417,337

Year-over-Year Comparison

	2025	2024	Change
Revenue	$1,911,475	$1,797,927	+0.1%
Expenses	$1,417,337	$1,267,151	+0.1%
Net Income	$494,138	$530,776	-0.1%

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

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
JOSH BALDWIN	PRESIDENT/ CEO	40.00		$102,747	$3,178	$105,925
JOHN SHELTON	Director	1.00	Director	$0	$0	$0
TOM NESBITT	Director	1.00	Director	$0	$0	$0
DAVID GATES	Director	1.00	Director	$0	$0	$0
RON RIETHMULLER	Director	1.00	Director	$0	$0	$0
MARK HERMAN	Director	1.00	Director	$0	$0	$0
JON BORCHERDING	Director	1.00	Director	$0	$0	$0
ERIN WOITASZEWSKI	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	$1,911,475	$1,417,337	$35,668,841	$494,138
2024	$1,797,927	$1,267,151	$34,657,427	$530,776
2023	$1,331,092	$928,917	$31,593,446	$402,175
2022	$854,292	$771,196	$33,730,263	$83,096
2021	$630,843	$712,569	$33,032,597	$-81,726
2020	$809,916	$691,658	$31,401,015	$118,258
2019	$1,011,722	$759,888	$28,044,931	$251,834
2018	$948,634	$786,755	$27,456,175	$161,879

NEBRASKA STATE EMPLOYEES CREDIT UNION