1ST KANSAS CREDIT UNION (EIN 480451505) - 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

1929

Legal Domicile

Principal Officer

FELICITY GORSKI

Phone

7852334323

Tax Period

2025-01-01 to 2025-12-31

1ST KANSAS CREDIT UNION, founded in 1929, is a small nonprofit that reported $618K in total revenue in fiscal year 2025. Expenses of $547K left a modest 11% surplus.

Mission

TO PROVIDE COOPERATIVE FINANCIAL SERVICES TO MEMBERS.

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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 $366,414

Investment Income $251,662

Other Revenue $0

TOTAL REVENUE $618,076

Expense Breakdown

Grants Paid $3,500

Salaries & Benefits $148,680

Fundraising Expenses $0

Other Expenses $394,907

TOTAL EXPENSES $547,087

Year-over-Year Comparison

	2025	2024	Change
Revenue	$618,076	$609,967	+0.0%
Expenses	$547,087	$564,360	0.0%
Net Income	$70,989	$45,607	+0.6%

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

$84,100

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CHASTITY DEXTER	VICE PRESIDENT	2.00	Director	$0	$0	$0
GLENDA VISOCSKY	SECRETARY	2.00	Director	$0	$0	$0
GREG ESCOBAR	TREASURER	2.00	Director	$0	$0	$0
ASHLEY HAMM	PRESIDENT	2.00	Director	$0	$0	$0
BETSEY GERHARDT	DIRECTOR	2.00	Director	$0	$0	$0
FELICITY GORSKI	MANAGER	40.00	Officer	$72,333	$11,767	$84,100

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	$618,076	$547,087	$11,835,215	$70,989
2024	$609,967	$564,360	$11,035,261	$45,607
2023	$476,967	$437,025	$10,915,850	$39,942
2022	$342,153	$327,500	$11,143,218	$14,653
2021	$308,538	$310,036	$10,970,434	$-1,498
2020	$372,603	$330,882	$9,571,489	$41,721
2019	$412,889	$380,015	$8,410,082	$32,874
2018	$381,519	$366,197	$8,926,635	$15,322

1ST KANSAS CREDIT UNION