MILLARD COUNTY CREDIT UNION (EIN 870237481) - 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

1956

Legal Domicile

Phone

4358644411

Tax Period

2025-01-01 to 2025-12-31

MILLARD COUNTY CREDIT UNION, founded in 1956, is a community nonprofit that reported $3.0M in total revenue in fiscal year 2025. Revenue grew 9% year-over-year, indicating healthy expansion. The organization ran a surplus of $607K, a strong 20% operating margin.

Mission

PROVIDING CREDIT UNION SERVICES TO MEMBERS THROUGH A STATE CHARTERED CREDIT UNION.

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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 $2,244,218

Investment Income $779,323

Other Revenue $0

TOTAL REVENUE $3,023,541

Expense Breakdown

Grants Paid $0

Salaries & Benefits $841,731

Fundraising Expenses $0

Other Expenses $1,574,422

TOTAL EXPENSES $2,416,153

Year-over-Year Comparison

	2025	2024	Change
Revenue	$3,023,541	$2,786,495	+0.1%
Expenses	$2,416,153	$2,124,062	+0.1%
Net Income	$607,388	$662,433	-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

$136,605

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
SCOTT LEMMON	President	40.00	Officer	$136,605	$0	$136,605
CRISTI LOVELL	Director	1.00	Director	$0	$0	$0
CAROL MEINHARDT	Secretary	1.00	Director	$0	$0	$0
MOLLY STEVENS	Director	1.00	Director	$0	$0	$0
KELLI CHRISTENSEN	Director	1.00	Director	$0	$0	$0
HANK NIELSEN	Director	0.00	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	$3,023,541	$2,416,153	$61,822,174	$607,388
2024	$2,786,495	$2,124,062	$59,381,941	$662,433
2023	$2,258,050	$1,667,351	$55,198,482	$590,699
2022	$1,769,688	$1,382,889	$58,129,266	$386,799
2021	$1,526,787	$1,265,575	$57,306,387	$261,212
2020	$1,595,003	$1,246,064	$48,652,488	$348,939
2019	$1,635,920	$1,187,482	$41,711,244	$448,438
2018	$1,384,741	$1,084,536	$38,600,159	$300,205

MILLARD COUNTY CREDIT UNION