Midland Municipal Employees Credit Union (EIN 756029878) - 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

Michael Cota

Phone

4326857933

Tax Period

2025-01-01 to 2025-12-31

Midland Municipal Employees Credit Union, founded in 1953, is a small nonprofit that reported $631K in total revenue in fiscal year 2025. Revenue surged 22% from the prior year, signaling strong growth momentum. The organization ran a surplus of $107K, a strong 17% operating margin.

Mission

A state chartered credit union, which provides 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 $268,995

Investment Income $362,151

Other Revenue $0

TOTAL REVENUE $631,146

Expense Breakdown

Grants Paid $0

Salaries & Benefits $228,772

Fundraising Expenses $0

Other Expenses $295,270

TOTAL EXPENSES $524,042

Year-over-Year Comparison

	2025	2024	Change
Revenue	$631,146	$515,575	+0.2%
Expenses	$524,042	$495,397	+0.1%
Net Income	$107,104	$20,178	+4.3%

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

$98,319

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Michael Cota	Chairman	1.00	Officer Director	$0	$0	$0
Chane Blandford	Vice Chairman	1.00	Officer Director	$0	$0	$0
Wanda Valles	Secretary/Treasurer	1.00	Officer Director	$0	$0	$0
Charles Harrington	Board of Directors	1.00	Director	$0	$0	$0
Rick Brown	Board of Directors	1.00	Director	$0	$0	$0
Peggy Taylor	Board of Directors	1.00	Director	$0	$0	$0
Amber Pearce	Manager, CEO	40.00	Key Emp Highest	$98,319	$0	$98,319

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	$631,146	$524,042	$17,102,358	$107,104
2024	No data	No data	No data	No data
2023	$457,807	$425,549	$17,380,245	$32,258
2022	$436,984	$347,476	$19,028,962	$89,508
2021	$518,086	$439,309	$19,575,722	$78,777
2020	$585,231	$406,065	$19,391,663	$179,166
2019	$564,409	$487,153	$18,923,966	$77,256
2018	$523,149	$433,595	$18,951,492	$89,554

Midland Municipal Employees Credit Union