HOLLY FRONTIER EMPLOYEES CREDIT UNION (EIN 870216243) - 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

1940

Legal Domicile

Principal Officer

Meagan Nattress

Phone

8012981024

Tax Period

2025-01-01 to 2025-12-31

HOLLY FRONTIER EMPLOYEES CREDIT UNION, founded in 1940, is a small nonprofit that reported $398K in total revenue in fiscal year 2025. The organization ran a surplus of $72K, a strong 18% operating margin.

Mission

Credit Union providing savings and loans to all 623 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 $350,074

Investment Income $35,352

Other Revenue $12,899

TOTAL REVENUE $398,325

Expense Breakdown

Grants Paid $0

Salaries & Benefits $155,164

Fundraising Expenses $0

Program Expenses $0

Other Expenses $171,556

TOTAL EXPENSES $326,720

Year-over-Year Comparison

	2025	2024	Change
Revenue	$398,325	$376,550	+0.1%
Expenses	$326,720	$293,892	+0.1%
Net Income	$71,605	$82,658	-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

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

$108,757

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Meagan Nattress	President	40	Key Emp Highest	$108,757	$0	$108,757
Jennifer Baldi	Vice Chairman	1	Officer Director	$0	$0	$0
Deepa Chhagan	Board Member	1	Director	$0	$0	$0
Lisa Valerio	Board Member	1	Director	$0	$0	$0
Margaret Bowman	Chairman	1	Officer 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	$398,325	$326,720	$5,919,707	$71,605
2024	$376,550	$293,892	$5,693,498	$82,658
2023	$333,784	$259,193	$6,438,977	$74,591
2022	$320,844	$235,551	$6,486,796	$85,293
2021	$318,073	$224,025	$6,882,830	$94,048
2020	$320,867	$234,921	$6,554,561	$85,946
2019	$319,711	$238,322	$6,068,431	$81,389
2018	$324,111	$238,481	$6,379,211	$85,630

HOLLY FRONTIER EMPLOYEES CREDIT UNION