GERMANIA CREDIT UNION (EIN 742419125) - 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

1986

Legal Domicile

Principal Officer

WENDY FRAZIER

Phone

9798365224

Tax Period

2025-01-01 to 2025-12-31

GERMANIA CREDIT UNION, founded in 1986, is a small nonprofit that reported $962K in total revenue in fiscal year 2025. Expenses of $850K left a modest 12% surplus.

Mission

GERMANIA CREDIT UNION IS A COOPERATIVE THRIFT INSTITUTION.

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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 $680,094

Investment Income $261,526

Other Revenue $20,638

TOTAL REVENUE $962,258

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $849,608

TOTAL EXPENSES $849,608

Year-over-Year Comparison

	2025	2024	Change
Revenue	$962,258	$998,404	0.0%
Expenses	$849,608	$922,157	-0.1%
Net Income	$112,650	$76,247	+0.5%

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

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

$120,895

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
HAYDEN MIERL	TREASURER	1.00	Officer Director	$0	$0	$0
TRACI BAGLEY	DIRECTOR	1.00	Director	$0	$0	$0
JEFF SMESTUEN	DIRECTOR	1.00	Director	$0	$0	$0
ELIZABETH BROESCHE	VICE CHAIR	1.00	Officer Director	$0	$0	$0
THRESIA SCHLABACH	DIRECTOR	1.00	Director	$0	$0	$0
WENDY RUBACH	DIRECTOR	1.00	Director	$0	$0	$0
CHEYANNE LEHRMANN	SECRETARY	1.00	Officer Director	$0	$0	$0
JOHN TROSTLE	BOARD CHAIR	1.00	Officer Director	$0	$0	$0
KACI EILERT	DIRECTOR	1.00	Director	$0	$0	$0
HOWARD	TOMLINSON	1.00	Director	$0	$0	$0
WENDY FRAZIER	PRESIDENT	40.00	Officer	$0	$26,543	$120,895

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	$962,258	$849,608	$19,020,964	$112,650
2024	No data	No data	No data	No data
2023	$998,983	$844,376	$19,912,211	$154,607
2022	$849,693	$694,603	$20,134,330	$155,090
2021	$889,724	$656,264	$19,123,143	$233,460
2020	$726,641	$553,051	$17,905,792	$173,590
2019	$469,269	$388,039	$14,706,995	$81,230
2018	$342,936	$298,907	$10,540,985	$44,029

GERMANIA CREDIT UNION