Tri County Credit Union (EIN 480673116) - 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

1960

Legal Domicile

Phone

7858243988

Tax Period

2025-01-01 to 2025-12-31

Tri County Credit Union, founded in 1960, is a small nonprofit that reported $223K in total revenue in fiscal year 2025. Revenue grew 15% year-over-year, indicating healthy expansion. The organization ran a surplus of $37K, a strong 16% operating margin.

Mission

This credit union is a member owned financial corporative. Our mission is to promote thrift among the members/owners, provide members with friendly, courteous and professional services, offer loans and savings at reasonable rates.

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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 $91,788

Investment Income $131,697

Other Revenue $0

TOTAL REVENUE $223,485

Expense Breakdown

Grants Paid $0

Salaries & Benefits $46,803

Fundraising Expenses $0

Program Expenses $186,674

Other Expenses $139,871

TOTAL EXPENSES $186,674

Year-over-Year Comparison

	2025	2024	Change
Revenue	$223,485	$193,557	+0.2%
Expenses	$186,674	$162,016	+0.2%
Net Income	$36,811	$31,541	+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

N/A

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

$41,874

Total Directors

Key Employees

$43,438

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Ilene Beckman	Manager	32	Officer Key Emp Highest	$41,874	$0	$41,874
Marcie Wolf	Bookkeeper	2	Key Emp	$1,564	$0	$1,564
Raymond Schroeder	Director	0	Director	$0	$0	$0
Greg Goetz	Treasurer	0	Officer	$0	$0	$0
Karen Moeder	President	1	Officer	$0	$0	$0
Steve Gormley	Vice President	0	Officer	$0	$0	$0
Michelle Morris	Secretary	0	Officer	$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	$223,485	$186,674	$5,634,047	$36,811
2024	$193,557	$162,016	$4,971,836	$31,541
2023	$175,227	$134,492	$5,365,269	$40,735
2022	$116,424	$98,003	$5,773,724	$18,421
2021	$119,511	$75,922	$4,822,449	$43,589
2020	$137,032	$86,021	$4,724,418	$51,011

Tri County Credit Union