Mid Plains Credit Union (EIN 486113953) - 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

1964

Legal Domicile

Phone

7855682648

Tax Period

2025-01-01 to 2025-12-31

Mid Plains Credit Union, founded in 1964, is a micro nonprofit that reported $66K in total revenue in fiscal year 2025. Net assets of $215K represent 39 months of operating reserves.

Mission

Provide financial and financially-related services to 239 members for mutual purposes.

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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 $61,003

Investment Income $4,857

Other Revenue $0

TOTAL REVENUE $65,860

Expense Breakdown

Grants Paid $0

Salaries & Benefits $25,483

Fundraising Expenses $0

Program Expenses $0

Other Expenses $40,600

TOTAL EXPENSES $66,083

Year-over-Year Comparison

	2025	2024	Change
Revenue	$65,860	$67,522	0.0%
Expenses	$66,083	$59,644	+0.1%
Net Income	$-223	$7,878	-1.0%

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

$21,080

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Irma K Ethridge	Credit Union Manager	30	Key Emp	$21,080	$0	$21,080
Justin A Rice	Chairman of the Board	1	Director	$0	$0	$0
Krystal Richard	Vice-chairman of the Board	1	Director	$0	$0	$0
Sue A Paillet	Treasurer of the Board	1	Director	$0	$0	$0
Kris Nelson	Secretary of the Board	1	Director	$0	$0	$0
Bandon Darnall	Member of the Board	1	Director	$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	$65,860	$66,083	$1,193,655	$-223
2024	No data	No data	No data	No data
2023	$72,638	$57,824	$1,225,757	$14,814
2022	$77,523	$56,388	$1,547,766	$21,135
2021	$86,187	$53,919	$1,586,943	$32,268
2020	$82,137	$90,807	$1,547,026	$-8,670

Mid Plains Credit Union