CREDIT UNION OF DODGE CITY (EIN 480529036) - 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

1939

Legal Domicile

Phone

6202277181

Tax Period

2025-01-01 to 2025-12-31

CREDIT UNION OF DODGE CITY, founded in 1939, is a community nonprofit that reported $6.9M in total revenue in fiscal year 2025. The organization ran a surplus of $1.3M, a strong 19% operating margin.

Mission

PROVIDE THE BEST FINANCIAL SERVICE AND SAFETY 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 $5,455,544

Investment Income $1,439,007

Other Revenue $0

TOTAL REVENUE $6,894,551

Expense Breakdown

Grants Paid $0

Salaries & Benefits $2,282,501

Fundraising Expenses $0

Other Expenses $3,279,306

TOTAL EXPENSES $5,561,807

Year-over-Year Comparison

	2025	2024	Change
Revenue	$6,894,551	$6,654,443	+0.0%
Expenses	$5,561,807	$5,330,266	+0.0%
Net Income	$1,332,744	$1,324,177	+0.0%

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

$718,581

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
KAY CONRARDY	CFO	40.00	Officer	$209,770	$20,513	$230,283
TOM ARMSTRONG	President & CEO	40.00	Officer	$196,973	$19,495	$216,468
CRAIG MILLS	Vice President	40.00	Officer	$127,868	$16,258	$144,126
DUSTIN FISCHER	Vice President	40.00	Officer	$120,507	$7,197	$127,704
GILBERT BENTON	Chairman	1.00	Director	$0	$0	$0
RYAN AUSMUS	Vice President	1.00	Director	$0	$0	$0
CORRINE GONZALES	Director	1.00	Director	$0	$0	$0
STEVE TAYLOR	Treasurer	1.00	Director	$0	$0	$0
SANDRA MASDEN	Secretary	1.00	Director	$0	$0	$0
RYAN RABE	Director	1.00	Director	$0	$0	$0
JORDIN SCOTT	Director	0.00	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	$6,894,551	$5,561,807	$98,744,156	$1,332,744
2024	$6,654,443	$5,330,266	$100,693,444	$1,324,177
2023	$6,270,562	$5,200,931	$105,754,837	$1,069,631
2022	$5,462,300	$4,496,103	$109,767,764	$966,197
2021	$4,951,717	$4,293,030	$103,445,110	$658,687
2020	$5,302,935	$4,483,346	$90,675,900	$819,589
2019	$5,414,375	$4,797,207	$71,147,718	$617,168
2018	$5,358,522	$4,760,667	$70,422,470	$597,855

CREDIT UNION OF DODGE CITY