UNION PACIFIC EMPLOYEES CREDIT UNION (EIN 741476313) - 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

1953

Legal Domicile

Principal Officer

Darlene Stokes

Phone

4098422560

Tax Period

2025-01-01 to 2025-12-31

UNION PACIFIC EMPLOYEES CREDIT UNION, founded in 1953, is a small nonprofit that reported $253K in total revenue in fiscal year 2025. Net assets of $916K represent 43 months of operating reserves.

Mission

Union Pacific Employees Credit Union (UPECU) was established to provide Union Pacific Railroad employees and their families with a safe and profitable financial institution. The credit union provides members a reasonable return on savings accounts and provides consumer loans.

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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 $198,121

Investment Income $42,768

Other Revenue $12,198

TOTAL REVENUE $253,087

Expense Breakdown

Grants Paid $0

Salaries & Benefits $116,694

Fundraising Expenses $0

Program Expenses $6,690

Other Expenses $136,109

TOTAL EXPENSES $252,803

Year-over-Year Comparison

	2025	2024	Change
Revenue	$253,087	$249,485	+0.0%
Expenses	$252,803	$284,297	-0.1%
Net Income	$284	$-34,812	-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

N/A

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

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Braddley McClelland	Board of Director - Chairman	2	Director	$0	$0	$0
Daniel Herline	Board of Director - Vice Chairman	2	Director	$0	$0	$0
Brain Keith	Board of Director - Treasurer	2	Director	$0	$0	$0
Stephen Owens	Board of Director- Secretary	2	Director	$0	$0	$0
Ray Herline	Board of Director	2	Director	$0	$0	$0
Nathanael Kitchen	Board of Director	2	Director	$0	$0	$0
Kenneth Saunders	Board of Director	2	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	$253,087	$252,803	$3,772,191	$284
2024	No data	No data	No data	No data
2023	$221,713	$187,503	$3,715,210	$34,210
2022	$192,198	$151,756	$4,035,740	$40,442
2021	$187,242	$177,924	$4,009,410	$9,318
2020	$197,055	$151,703	$4,044,088	$45,352

UNION PACIFIC EMPLOYEES CREDIT UNION