GOLDEN PLAINS CREDIT UNION (EIN 480587457) - 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

1951

Legal Domicile

Principal Officer

ROSA SAENZ

Phone

6202752151

Tax Period

2024-01-01 to 2024-12-31

GOLDEN PLAINS CREDIT UNION, founded in 1951, is a mid-sized nonprofit that reported $68.0M in total revenue in fiscal year 2024. Revenue grew 12% year-over-year, indicating healthy expansion. Expenses of $60.2M left a modest 11% surplus.

Mission

TO PROVIDE SUPERIOR QUALITY AND VALUE IN EVERY SERVICE OFFERED

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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 (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $64,716,054

Investment Income $3,097,433

Other Revenue $160,864

TOTAL REVENUE $67,974,351

Expense Breakdown

Grants Paid $39,758

Salaries & Benefits $13,675,815

Fundraising Expenses $0

Other Expenses $46,463,280

TOTAL EXPENSES $60,178,853

Year-over-Year Comparison

	2024	2023	Change
Revenue	$67,974,351	$60,592,739	+0.1%
Expenses	$60,178,853	$51,013,199	+0.2%
Net Income	$7,795,498	$9,579,540	-0.2%

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

273

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

$1,148,655

Total Directors

$144

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
SCOTT YAEKLEY	DIRECTOR	0.75	Director	$0	$36	$36
WILLIAM DELONG	CHAIRPERSON	0.75	Director	$0	$18	$18
NEIL HAWLEY	VICE CHAIRPERSON	0.75	Director	$0	$18	$18
DAVE PIPER	DIRECTOR	0.75	Director	$0	$36	$36
JESSICA WIKOFF	SECRETARY/TREASURER	0.75	Director	$0	$36	$36
TED UNDERWOOD	EVP	55.00	Officer	$375,610	$28,833	$404,443
ROSA SAENZ	PRESIDENT/CEO (CURRENT)	55.00	Officer	$395,357	$27,955	$423,312
DUSTIN BAILEY	SVP INDIRECT LENDING	55.00	Officer	$171,545	$1,478	$173,023
SANDRA BECKER	SVP FINANCE	55.00	Officer	$135,050	$12,827	$147,877
JON IRSIK	VP BRANCH COORDINATOR	55.00	Highest	$135,540	$15,346	$150,886
RUTH RUDER	VP BRANCH SERVICES	55.00	Highest	$121,321	$3,433	$124,754
JILL DURST	VP HR SERVICES	55.00	Highest	$129,038	$13,848	$142,886
MARY WEHNER	INTERNAL AUDIT	55.00	Highest	$127,365	$13,342	$140,707
JENNIFER NOEL	VP OPERATIONS	55.00	Highest	$117,196	$9,057	$126,253
KRISTA CANNON	VP MARKETING SERVICES	55.00	Highest	$120,110	$21,720	$141,830
ROSA EXQUIVEL	VP SPECIAL ACCOUNTS	55.00	Highest	$117,482	$4,657	$122,139
HOLLIE LYONS	VP MORTGAGE SERVICES	55.00	Highest	$120,799	$16,937	$137,736
JULIE FINE	VP DIGITAL MEMBER EXPERIENCE & CALL CENTER	55.00	Highest	$104,317	$10,284	$114,601
YADIRA VARGAS	VP COMMERCIAL & CONSUMER LENDING	55.00	Highest	$117,115	$5,143	$122,258
DEBBIE YOUNG	AVP ADMINISTRATION	55.00	Highest	$101,547	$25,721	$127,268

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
2024	$67,974,351	$60,178,853	$991,101,201	$7,795,498
2023	$60,592,739	$51,013,199	$991,365,446	$9,579,540
2022	$44,194,863	$33,839,425	$942,186,967	$10,355,438
2021	$40,747,458	$28,629,262	$831,027,454	$12,118,196
2020	$41,205,814	$33,917,977	$743,244,139	$7,287,837
2019	$39,065,233	$33,476,184	$674,691,693	$5,589,049
2018	$34,524,127	$30,573,361	$657,036,415	$3,950,766

GOLDEN PLAINS CREDIT UNION