Lincoln SDA Credit Union (EIN 476037284) - 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

Mike Nelson

Phone

4024898886

Tax Period

2025-01-01 to 2025-12-31

Lincoln SDA Credit Union, founded in 1965, is a small nonprofit that reported $497K in total revenue in fiscal year 2025. Revenue grew 11% year-over-year, indicating healthy expansion. Expenses of $692K exceeded revenue, resulting in a 39% operating deficit.

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 $357,821

Investment Income $139,330

Other Revenue $0

TOTAL REVENUE $497,151

Expense Breakdown

Grants Paid $0

Salaries & Benefits $167,576

Fundraising Expenses $0

Other Expenses $524,589

TOTAL EXPENSES $692,165

Year-over-Year Comparison

	2025	2024	Change
Revenue	$497,151	$445,994	+0.1%
Expenses	$692,165	$746,487	-0.1%
Net Income	$-195,014	$-300,493	-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
Scott Cushman	Board Member	1.00	Director	$0	$0	$0
Thaddeous Edgerton	Board Member	1.00	Director	$0	$0	$0
Dwain Leonhardt	Board Member	1.00	Director	$0	$0	$0
Gary Reece	Board Member	1.00	Director	$0	$0	$0
Jonathan Rickard	Board Member	1.00	Director	$0	$0	$0
Daniel Bazan	Board Member	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	$497,151	$692,165	$10,096,497	$-195,014
2024	No data	No data	No data	No data
2023	$414,203	$861,136	$9,910,763	$-446,933
2022	$326,824	$467,396	$10,986,105	$-140,572
2021	$346,210	$344,809	$11,383,186	$1,401
2020	$335,042	$366,365	$10,841,970	$-31,323
2019	$332,135	$361,429	$10,378,816	$-29,294
2018	$308,100	$325,432	$10,609,197	$-17,332

Lincoln SDA Credit Union