Midwestern State University Credit Union (EIN 750954755) - 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

1955

Legal Domicile

Principal Officer

Renee D Hensley

Phone

9403974622

Tax Period

2025-01-01 to 2025-12-31

Midwestern State University Credit Union, founded in 1955, is a small nonprofit that reported $265K in total revenue in fiscal year 2025. Expenses of $248K left a modest 6% surplus.

Mission

To provide financial services to its 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 $140,092

Investment Income $97,683

Other Revenue $27,205

TOTAL REVENUE $264,980

Expense Breakdown

Grants Paid $0

Salaries & Benefits $139,797

Fundraising Expenses $0

Other Expenses $107,967

TOTAL EXPENSES $247,764

Year-over-Year Comparison

	2025	2024	Change
Revenue	$264,980	$272,618	0.0%
Expenses	$247,764	$251,497	0.0%
Net Income	$17,216	$21,121	-0.2%

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

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

$57,869

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Clara Latham	Board Chair	0.50	Officer Director	$0	$0	$0
Leslee Ponder	Vice-Chair	0.50	Officer Director	$0	$0	$0
Jonathon Price	Treasurer	0.50	Officer Director	$0	$0	$0
Courtney Snyder	Secretary	0.50	Officer Director	$0	$0	$0
Greg Giddings	Board Member	0.50	Director	$0	$0	$0
Jeffrey Killion	Board Member	0.50	Director	$0	$0	$0
Barbara DeBois	Board Member	0.50	Director	$0	$0	$0
Chris Hansen	Board Member	0.50	Director	$0	$0	$0
Kelle Lillie	Board Member	0.50	Director	$0	$0	$0
Renee Hensley	Manager/CEO	40.00	Key Emp	$57,869	$0	$57,869

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	$264,980	$247,764	$4,823,705	$17,216
2024	$272,618	$251,497	$4,981,492	$21,121
2023	$237,789	$226,954	$5,482,891	$10,835
2022	$164,183	$220,925	$5,780,671	$-56,742
2021	$144,757	$213,530	$5,673,330	$-68,773
2020	$202,698	$217,201	$5,692,517	$-14,503

Midwestern State University Credit Union