HI-LAND CREDIT UNION (EIN 870238633) - 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

1957

Legal Domicile

Phone

8012618909

Tax Period

2024-01-01 to 2024-12-31

HI-LAND CREDIT UNION, founded in 1957, is a community nonprofit that reported $2.1M in total revenue in fiscal year 2024. Expenses of $2.5M exceeded revenue, resulting in a 19% operating deficit.

Mission

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 (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $2,016,034

Investment Income $103,897

Other Revenue $0

TOTAL REVENUE $2,119,931

Expense Breakdown

Grants Paid $0

Salaries & Benefits $774,477

Fundraising Expenses $0

Other Expenses $1,739,682

TOTAL EXPENSES $2,514,159

Year-over-Year Comparison

	2024	2023	Change
Revenue	$2,119,931	$1,964,411	+0.1%
Expenses	$2,514,159	$1,944,167	+0.3%
Net Income	$-394,228	$20,244	-20.5%

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

$541,457

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MISTY MILLER	President	50.00	Officer	$355,791	$0	$355,791
TIM WILDE	Vice President	50.00	Officer	$185,666	$0	$185,666
BRAD WARDLE	Director	1.00	Director	$0	$0	$0
CONNIE JENSEN	Director	1.00	Director	$0	$0	$0
TERRY JOHANSEN	Director	1.00	Director	$0	$0	$0
KENT PLOTT	Director	1.00	Director	$0	$0	$0
BLAIR ASAY	Director	1.00	Director	$0	$0	$0
BRANDON HAAGA	Director	1.00	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
2024	$2,119,931	$2,514,159	$50,698,735	$-394,228
2023	$1,964,411	$1,944,167	$56,338,595	$20,244
2022	$1,642,576	$1,151,579	$55,031,072	$490,997
2021	$1,573,002	$1,310,902	$57,953,719	$262,100
2020	$2,086,121	$1,375,372	$54,351,793	$710,749
2019	$2,087,924	$1,456,650	$51,066,373	$631,274
2018	$1,859,690	$1,060,825	$48,447,515	$798,865

HI-LAND CREDIT UNION