MPD COMMUNITY CREDIT UNION (EIN 626074064) - Form 990 Financial Analysis & Trantor Score

🔒

Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

Sign in with your work email to view Tuckman-Chang indicators

Financial Trends

Organization Details

Formation Year

1992

Legal Domicile

Principal Officer

STEPHANIE MASON

Phone

6157827220

Tax Period

2025-01-01 to 2025-12-31

MPD COMMUNITY CREDIT UNION, founded in 1992, is a community nonprofit that reported $2.5M in total revenue in fiscal year 2025. Expenses of $2.2M left a modest 14% surplus.

Mission

CREDIT UNION - TO PROVIDE FINANCIAL SERVICES FOR ITS MEMBERS.

🔒

Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

Sign in to view Trantor Score and financial metrics

Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $1,846,512

Investment Income $414,083

Other Revenue $289,141

TOTAL REVENUE $2,549,736

Expense Breakdown

Grants Paid $0

Salaries & Benefits $696,982

Fundraising Expenses $0

Program Expenses $2,190,921

Other Expenses $1,493,939

TOTAL EXPENSES $2,190,921

Year-over-Year Comparison

	2025	2024	Change
Revenue	$2,549,736	$2,424,252	+0.1%
Expenses	$2,190,921	$2,053,368	+0.1%
Net Income	$358,815	$370,884	0.0%

Key Indicators

✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✗ Schedule B Required

🔒

Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

Sign in to view all financial metrics

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

$183,951

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
KELLY DEMONBREUN	EVP	40.00	Officer	$76,738	$5,185	$81,923
STEPHANIE MASON	CEO	40.00	Officer	$89,884	$12,144	$102,028
KEITH SUTHERLAND	BOARD CHAIRM	1.00	Director	$0	$0	$0
MISTY HOBBS	BOD 1ST VICE	1.00	Director	$0	$0	$0
JOHN BOESE	BOD 2ND VICE	1.00	Director	$0	$0	$0
TREVOR NELSON	BOARD TREASU	1.00	Director	$0	$0	$0
RHONDA KING	BOARD SECRET	1.00	Director	$0	$0	$0
KENNETH F MCALISTER JR	SUPERVISOR C	1.00	Officer	$0	$0	$0
STEVE TURNER	SUPERVISORY	1.00	Officer	$0	$0	$0
BRAD BURNS	SUPERVIOSRY	1.00	Officer	$0	$0	$0
JOSHUA MCDOWELL	ASSOCIATE BO	1.00	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	$2,549,736	$2,190,921	$39,386,627	$358,815
2024	No data	No data	No data	No data
2023	$2,333,437	$1,882,071	$36,041,145	$451,366
2022	$1,648,361	$1,495,056	$36,907,869	$153,305
2021	$1,411,129	$1,284,812	$34,721,145	$126,317
2020	$1,425,455	$1,390,776	$32,013,430	$34,679
2019	$1,570,020	$1,443,343	$28,413,583	$126,677
2018	$1,499,362	$1,277,960	$27,516,582	$221,402

MPD COMMUNITY CREDIT UNION