MCPHERSON CO-OP CREDIT UNION (EIN 486107405) - 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

1946

Legal Domicile

Principal Officer

BRENDA KLIEWER

Phone

6202419308

Tax Period

2023-01-01 to 2023-12-31

MCPHERSON CO-OP CREDIT UNION, founded in 1946, is a community nonprofit that reported $2.2M in total revenue in fiscal year 2023. Revenue surged 21% from the prior year, signaling strong growth momentum. Expenses of $2.1M left a modest 5% surplus.

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 (2023)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $2,162,536

Investment Income $36,276

Other Revenue $5,114

TOTAL REVENUE $2,203,926

Expense Breakdown

Grants Paid $0

Salaries & Benefits $749,614

Fundraising Expenses $0

Other Expenses $1,354,509

TOTAL EXPENSES $2,104,123

Year-over-Year Comparison

	2023	2022	Change
Revenue	$2,203,926	$1,818,201	+0.2%
Expenses	$2,104,123	$1,775,159	+0.2%
Net Income	$99,803	$43,042	+1.3%

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

$115,578

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
AUDREY MILLER	CHAIRPERSON	1.00	Director	$0	$0	$0
ROBERT DEISTER	VICE CHAIRPERSON	1.00	Director	$0	$0	$0
JIM BONTRAGER	SECRETARY/TREASURER	1.00	Director	$0	$0	$0
CLINTON JANZEN	BOARD MEMBER	1.00	Director	$0	$0	$0
TRAVIS SEARS	BOARD MEMBER	1.00	Director	$0	$0	$0
BRENDA KLIEWER	PRESIDENT/CEO	60.00	Officer	$108,915	$6,663	$115,578

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	No data	No data	No data	No data
2023	$2,203,926	$2,104,123	$43,800,305	$99,803
2022	$1,818,201	$1,775,159	$45,414,080	$43,042
2021	$1,764,520	$1,713,571	$42,441,085	$50,949
2020	$1,769,265	$1,713,655	$38,738,089	$55,610
2019	$1,467,831	$1,654,704	$33,081,448	$-186,873
2018	$1,386,737	$1,349,245	$33,261,638	$37,492

MCPHERSON CO-OP CREDIT UNION