CREDIT UNION OF EMPORIA (EIN 480626292) - 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

1953

Legal Domicile

Principal Officer

KELLY BROWN

Phone

6203420491

Tax Period

2025-01-01 to 2025-12-31

CREDIT UNION OF EMPORIA, founded in 1953, is a community nonprofit that reported $1.7M in total revenue in fiscal year 2025. Revenue grew 12% year-over-year, indicating healthy expansion. The organization ran a surplus of $553K, a strong 32% operating margin.

Mission

TO PROVIDE HIGH QUALITY FINANCIAL SERVICES FOR OUR MEMBERS/OWNERS, ENHANCING 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 $988,259

Investment Income $740,911

Other Revenue $4,031

TOTAL REVENUE $1,733,201

Expense Breakdown

Grants Paid $4,000

Salaries & Benefits $407,311

Fundraising Expenses $0

Other Expenses $769,255

TOTAL EXPENSES $1,180,566

Year-over-Year Comparison

	2025	2024	Change
Revenue	$1,733,201	$1,551,000	+0.1%
Expenses	$1,180,566	$1,067,978	+0.1%
Net Income	$552,635	$483,022	+0.1%

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

$82,482

Total Directors

$82,482

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
RICHARD RUST	BOARD MEMBER	1.00	Director	$0	$0	$0
CHRISTINE PEDERSEN	CHAIRMAN	1.00	Director	$0	$0	$0
DONALD GILGER	BOARD MEMBER, SUPERVISORY	1.00	Director	$0	$0	$0
CHARLIE GREIG	BOARD MEMBER	1.00	Director	$0	$0	$0
WENDY WEISS	VICE CHAIRMAN	1.00	Director	$0	$0	$0
KELLY BROWN	MANAGER, BOARD TREASURER	43.00	Officer Director	$74,000	$8,482	$82,482

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	$1,733,201	$1,180,566	$38,691,657	$552,635
2024	$1,551,000	$1,067,978	$36,395,234	$483,022
2023	$1,294,964	$888,074	$35,321,604	$406,890
2022	$1,000,304	$708,624	$35,190,664	$291,680
2021	$1,014,145	$633,854	$33,646,131	$380,291
2020	$1,032,841	$643,764	$29,942,077	$389,077
2019	$1,042,135	$638,764	$24,528,007	$403,371
2018	$920,860	$611,819	$23,528,596	$309,041

CREDIT UNION OF EMPORIA