MORTON CREDIT UNION (EIN 480544200) - 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

Christie Gardner

Phone

6206656792

Tax Period

2025-01-01 to 2025-12-31

MORTON CREDIT UNION, founded in 1941, is a small nonprofit that reported $425K in total revenue in fiscal year 2025. Expenses of $396K left a modest 7% surplus.

Mission

TO PROVIDE HIGH QUALITY FINANCIAL SERVICES FOR OUR MEMBERS/OWNERS, ENHANDING THEIR FINANCIAL WELL-BEING WHILE MAINTAINING THE FINANCIAL STRENGTH OF THE 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 $377,895

Investment Income $47,453

Other Revenue $0

TOTAL REVENUE $425,348

Expense Breakdown

Grants Paid $0

Salaries & Benefits $135,359

Fundraising Expenses $0

Program Expenses $0

Other Expenses $261,045

TOTAL EXPENSES $396,404

Year-over-Year Comparison

	2025	2024	Change
Revenue	$425,348	$402,375	+0.1%
Expenses	$396,404	$352,388	+0.1%
Net Income	$28,944	$49,987	-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
CHRISTIE GARDNER	MANAGER	40	Highest	$58,707	$0	$58,707
PAM BABCOCK	BOARD MEMBER	3	Director	$0	$0	$0
MARK DREILING	BOARD TREASURER	3	Director	$0	$0	$0
TOM GISICK	BOARD MEMBER	3	Director	$0	$0	$0
JEST MILLER	BOARD TREASURER	3	Director	$0	$0	$0
SHAMEKA GREEN	CHAIRPERSON	3	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	$425,348	$396,404	$5,265,414	$28,944
2024	$402,375	$352,388	$5,244,535	$49,987
2023	$387,242	$346,118	$5,395,770	$41,124
2022	$283,166	$302,150	$5,482,648	$-18,984
2021	$284,257	$300,323	$5,476,622	$-16,066
2020	$351,299	$358,413	$4,945,549	$-7,114
2019	$383,959	$323,160	$4,333,082	$60,799
2018	$358,702	$354,897	$4,339,772	$3,805

MORTON CREDIT UNION