MONTANA EDUCATORS CREDIT UNION (EIN 810504125) - 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

1996

Legal Domicile

Principal Officer

Leslie Womack

Phone

4067281034

Tax Period

2025-01-01 to 2025-12-31

MONTANA EDUCATORS CREDIT UNION, founded in 1996, is a community nonprofit that reported $2.2M in total revenue in fiscal year 2025. Revenue surged 23% from the prior year, signaling strong growth momentum. The organization ran a surplus of $453K, a strong 21% operating margin.

Mission

Consumer (member) financial services

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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 $1,846,456

Investment Income $295,896

Other Revenue $28,877

TOTAL REVENUE $2,171,229

Expense Breakdown

Grants Paid $0

Salaries & Benefits $506,269

Fundraising Expenses $0

Program Expenses $1,718,478

Other Expenses $1,212,209

TOTAL EXPENSES $1,718,478

Year-over-Year Comparison

	2025	2024	Change
Revenue	$2,171,229	$1,769,235	+0.2%
Expenses	$1,718,478	$1,482,282	+0.2%
Net Income	$452,751	$286,953	+0.6%

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

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
John Frederickson	Treasurer	2	Director	$0	$0	$0
Beth C Huguet	Board Member	2	Director	$0	$0	$0
Carla Getz	Chair	2	Director	$0	$0	$0
Pamela F Diamond	Board member	2	Director	$0	$0	$0
Torry Holmquist	Vice Chairman	2	Director	$0	$0	$0
Kathryn K Shepherd	Board member	2	Director	$0	$0	$0
Dan Schmauch	Secretary	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	$2,171,229	$1,718,478	$34,330,467	$452,751
2024	$1,769,235	$1,482,282	$30,724,624	$286,953
2023	$1,350,149	$1,160,786	$26,980,655	$189,363
2022	$1,059,794	$898,316	$28,647,602	$161,478
2021	$887,290	$791,328	$23,999,580	$95,962
2020	$828,539	$723,701	$22,691,372	$104,838
2019	$787,849	$638,508	$18,105,307	$149,341
2018	$729,035	$613,592	$16,479,178	$115,443

MONTANA EDUCATORS CREDIT UNION