MEMBERS CHOICE CREDIT UNION (EIN 616029190) - 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

1932

Legal Domicile

Principal Officer

JASON SUMAN

Phone

6063268000

Tax Period

2025-01-01 to 2025-12-31

MEMBERS CHOICE CREDIT UNION, founded in 1932, is a mid-sized nonprofit that reported $26.9M in total revenue in fiscal year 2025. Expenses of $24.7M left a modest 8% surplus.

Mission

TO PROVIDE FINANCIAL SERVICES TO CREDIT UNION MEMBERS

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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 $23,441,300

Investment Income $3,450,303

Other Revenue $0

TOTAL REVENUE $26,891,603

Expense Breakdown

Grants Paid $0

Salaries & Benefits $7,694,626

Fundraising Expenses $0

Program Expenses $8,495,995

Other Expenses $16,996,124

TOTAL EXPENSES $24,690,750

Year-over-Year Comparison

	2025	2024	Change
Revenue	$26,891,603	$25,593,598	+0.1%
Expenses	$24,690,750	$24,896,706	0.0%
Net Income	$2,200,853	$696,892	+2.2%

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

128

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

$407,511

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JASON SUMAN	PRESIDENT AN	40.00	Officer	$285,914	$0	$285,914
TODD BUSH	SENIOR VP -	40.00	Officer	$121,597	$0	$121,597
DON NEIKIRK	DIRECTOR	0.00	Director	$0	$0	$0
JOHN TOWNSEND	DIRECTOR	0.00	Director	$0	$0	$0
GARY DARNELL	DIRECTOR	0.00	Director	$0	$0	$0
KEN SMITH	SECRETARY-TR	0.00	Director	$0	$0	$0
DONNA Q HEWLETT	DIRECTOR	0.00	Director	$0	$0	$0
ROD HIENEMAN	VICE CHAIRMA	0.00	Director	$0	$0	$0
BRYAN SMITH	DIRECTOR	0.00	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	$26,891,603	$24,690,750	$422,081,368	$2,200,853
2024	$25,593,598	$24,896,706	$408,505,134	$696,892
2023	$21,048,521	$22,892,460	$403,136,466	$-1,843,939
2022	$16,240,826	$14,364,309	$358,992,351	$1,876,517
2021	$13,811,738	$11,305,183	$332,356,623	$2,506,555
2020	$12,047,036	$10,864,612	$279,337,766	$1,182,424
2019	$12,264,781	$10,397,714	$222,302,116	$1,867,067
2018	$11,359,681	$10,053,862	$208,550,678	$1,305,819

MEMBERS CHOICE CREDIT UNION