ELLIS CREDIT UNION (EIN 480625757) - 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

1952

Legal Domicile

Principal Officer

ELDON PFEIFER

Phone

7857263499

Tax Period

2025-01-01 to 2025-12-31

ELLIS CREDIT UNION, founded in 1952, is a small nonprofit that reported $242K in total revenue in fiscal year 2025. Expenses of $212K left a modest 12% surplus.

Mission

WE ARE A PROVIDER OF FINANCIAL SERVICES FOR MUTUAL PURPOSES. WE ALSO PROVIDE A SOURCE OF CREDIT TO MEMBERS AT FAIR AND REASONABLE RATES OF INTEREST.

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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 $138,634

Investment Income $100,069

Other Revenue $2,973

TOTAL REVENUE $241,676

Expense Breakdown

Grants Paid $0

Salaries & Benefits $69,090

Fundraising Expenses $0

Program Expenses $212,271

Other Expenses $143,181

TOTAL EXPENSES $212,271

Year-over-Year Comparison

	2025	2024	Change
Revenue	$241,676	$223,852	+0.1%
Expenses	$212,271	$199,251	+0.1%
Net Income	$29,405	$24,601	+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

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
ELDON PFEIFER	Vice President	0.00	Officer Director	$0	$0	$0
GLEN KELLER	Vice President	0.00	Officer Director	$0	$0	$0
LISA COX	Director	0.00	Officer Director	$0	$0	$0
AMY STAAB	Secretary	0.00	Officer Director	$0	$0	$0
MIKE SCHUSTER	Chairman	0.00	Director	$0	$0	$0
LISA WEBER	Treasurer	0.00	Officer Director	$0	$0	$0
CLYDE LANG	Chairman	0.00	Director	$0	$0	$0
NORMA LANG	Member	0.00	Director	$0	$0	$0
DAVID MCDANIEL	Member	0.00	Director	$0	$0	$0
LINDA PFEIFER	MANAGER	23.00		$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	$241,676	$212,271	$5,362,586	$29,405
2024	$223,852	$199,251	$5,082,372	$24,601
2023	$194,686	$163,275	$5,231,148	$31,411
2022	$136,450	$128,294	$5,451,370	$8,156
2021	$151,978	$135,964	$5,165,178	$16,014
2020	$157,273	$167,902	$4,796,020	$-10,629

ELLIS CREDIT UNION