MONTANA CREDIT UNION LEAGUE (EIN 810240316) - 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

GERRY SINGLETON

Phone

4064429081

Tax Period

2025-01-01 to 2025-12-31

MONTANA CREDIT UNION LEAGUE, founded in 1955, is a community nonprofit that reported $2.4M in total revenue in fiscal year 2025. Expenses of $2.3M left a modest 7% surplus.

Mission

TO FOSTER THE VITALITY OF AFFILIATED CREDIT UNIONS BY PROVIDING PROGRAMS AND SERVICES TO ENHANCE THEIR ABILITY TO SUCCESSFULLY MEET THE MEMBERS NEEDS.

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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 $2,255,068

Investment Income $99,945

Other Revenue $61,544

TOTAL REVENUE $2,416,557

Expense Breakdown

Grants Paid $50,402

Salaries & Benefits $1,588,662

Fundraising Expenses $0

Program Expenses $1,439,962

Other Expenses $620,014

TOTAL EXPENSES $2,259,078

Year-over-Year Comparison

	2025	2024	Change
Revenue	$2,416,557	$2,363,884	+0.0%
Expenses	$2,259,078	$2,188,511	+0.0%
Net Income	$157,479	$175,373	-0.1%

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

N/A

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

$487,783

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JEREMY PRESTA	CHAIRMAN	1.00	Officer Director	$0	$0	$0
LINDSAY BEATY	VICE-CHAIRMAN	1.00	Officer Director	$0	$0	$0
LESLIE WOMACK	SECRETARY/TREASURER	1.00	Officer Director	$0	$0	$0
JACK LAWSON	DIRECTOR	1.00	Director	$0	$0	$0
TOM BOOS	DIRECTOR	1.00	Director	$0	$0	$0
ANNAMARIE DEYOUNG	DIRECTOR	1.00	Director	$0	$0	$0
JASON HAGADONE	DIRECTOR	1.00	Director	$0	$0	$0
DARCI PARSONS	DIRECTOR	1.00	Director	$0	$0	$0
GERRY SINGLETON	CEO	40.00	Officer	$336,212	$151,571	$487,783
KAREN SMITH	SVP-CHIEF ADVOCACY OFFICER	40.00	Highest	$124,355	$11,648	$136,003
RANEL SMITH	VP-RELATIONSHIP MGMT	40.00	Highest	$104,149	$10,388	$114,537
DONYA PARRISH	VP-RISK MANAGEMENT	40.00	Highest	$100,588	$9,850	$110,438
MARA RAYNER	HUMAN RESOURCE BENEFITS	40.00	Highest	$107,164	$10,658	$117,822

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	$2,416,557	$2,259,078	$3,027,908	$157,479
2024	$2,363,884	$2,188,511	$3,000,819	$175,373
2023	$2,053,012	$1,979,941	$2,555,134	$73,071
2022	$1,916,426	$1,684,316	$2,126,366	$232,110
2021	$1,802,838	$1,732,458	$1,858,528	$70,380
2020	$1,644,805	$1,580,154	$1,660,309	$64,651
2019	$1,745,568	$1,604,839	$1,541,294	$140,729
2018	$1,659,640	$1,549,367	$1,373,247	$110,273

MONTANA CREDIT UNION LEAGUE