RURAL COOPERATIVES CREDIT UNION INC (EIN 610647852) - 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

8007987228

Tax Period

2025-01-01 to 2025-12-31

RURAL COOPERATIVES CREDIT UNION INC, founded in 1964, is a community nonprofit that reported $1.8M in total revenue in fiscal year 2025. Revenue grew 9% year-over-year, indicating healthy expansion. Expenses of $2.1M exceeded revenue, resulting in a 21% operating deficit.

Mission

Mission Statement: To assist member-owners in realizing personal financial success by providing competitive, value-oriented products and services delivered with excellent member service and convenience.

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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 $1,755,946

Investment Income $887

Other Revenue $0

TOTAL REVENUE $1,756,833

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,010,881

Fundraising Expenses $0

Other Expenses $929,417

TOTAL EXPENSES $2,120,332

Year-over-Year Comparison

	2025	2024	Change
Revenue	$1,756,833	$1,613,255	+0.1%
Expenses	$2,120,332	$1,645,753	+0.3%
Net Income	$-363,499	$-32,498	+10.2%

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

N/A

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

$125,478

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
LARRY BISCHOFF	CEO	50.00	Officer	$0	$0	$125,478
JENNIE PHELPS	CHAIRPERSON	2.00	Officer Director	$0	$0	$0
CHUCK WILLIAMSON	VICE CHAIRPERSON	2.00	Officer Director	$0	$0	$0
ANNA SWANSON	SECRETARYTREASURER	2.00	Officer 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	$1,756,833	$2,120,332	No data	$-363,499
2024	$1,613,255	$1,645,753	$34,423,234	$-32,498
2023	$1,417,885	$1,580,897	$35,168,423	$-163,012
2022	$1,252,416	$1,352,275	$38,824,669	$-99,859
2021	$1,492,377	$1,399,695	$40,338,575	$92,682
2020	$1,432,290	$1,558,318	$37,531,087	$-126,028
2019	$1,601,386	$1,646,317	$35,801,850	$-44,931
2018	$1,667,581	$1,717,929	$36,176,803	$-50,348

RURAL COOPERATIVES CREDIT UNION INC