FIRST COMMUNITY CREDIT UNION (EIN 930468003) - 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

Principal Officer

DAVID ELMER

Phone

5413962145

Tax Period

2025-01-01 to 2025-12-31

FIRST COMMUNITY CREDIT UNION, founded in 1957, is a mid-sized nonprofit in the Public & Societal Benefit sector that reported $81.0M in total revenue in fiscal year 2025. Revenue grew 14% year-over-year, indicating healthy expansion. The organization ran a surplus of $20.3M, a strong 25% operating margin.

Mission

TO BUILD LASTING FINANCIAL RELATIONSHIPS THROUGH PERSONALIZED BANKING.

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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 $69,454,938

Investment Income $9,731,065

Other Revenue $1,837,961

TOTAL REVENUE $81,023,964

Expense Breakdown

Grants Paid $557,603

Salaries & Benefits $32,708,248

Fundraising Expenses $0

Other Expenses $27,411,018

TOTAL EXPENSES $60,676,869

Year-over-Year Comparison

	2025	2024	Change
Revenue	$81,023,964	$71,084,286	+0.1%
Expenses	$60,676,869	$56,759,205	+0.1%
Net Income	$20,347,095	$14,325,081	+0.4%

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

416

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

$2,821,816

Total Directors

$223,250

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
BRIAN MENEFEE	BOARD MEMBER (CHAIRPERSON)	12.00	Officer Director	$21,500	$0	$21,500
JOSEPH DEUTZ	BOARD MEMBER (SECRETARY)	12.00	Officer Director	$20,000	$0	$20,000
ROBIN MCALPIN	BOARD MEMBER (FORMER CHAIR)	10.00	Director	$19,750	$0	$19,750
DENNIS ERICKSON	BOARD MEMBER (VICE-CHAIRPERSON)	10.00	Officer Director	$18,000	$0	$18,000
MARY ELLEN ROBBINS	BOARD MEMBER (TREASURER)	10.00	Officer Director	$18,000	$0	$18,000
LINDA FURMAN GRILE	BOARD MEMBER	10.00	Director	$18,000	$0	$18,000
SHAUN HOBACK	BOARD MEMBER	10.00	Director	$18,000	$0	$18,000
STEVE MOHRLAND	BOARD MEMBER	10.00	Director	$18,000	$0	$18,000
DAN GIBSON	BOARD MEMBER	10.00	Director	$18,000	$0	$18,000
HALL THOMAS	BOARD MEMBER	10.00	Director	$18,000	$0	$18,000
GERALD PRICKETT	BOARD MEMBER	10.00	Director	$18,000	$0	$18,000
JULIE HARGRAVES	BOARD MEMBER	10.00	Director	$18,000	$0	$18,000
ELIZABETH DAVIS	BOARD MEMBER	10.00	Director	$0	$0	$0
DAVID ELMER	PRESIDENT/CEO/TREASURER	40.00	Officer	$1,164,293	$48,835	$1,213,128
RENEE NELSON	EXECUTIVE VICE PRESIDENT/CGO	40.00	Officer	$649,553	$50,710	$700,263
MIKE LEEP	EXECUTIVE VICE PRESIDENT/CFO	40.00	Officer	$371,457	$43,940	$415,397
ELLEN SCRIVEN	EXECUTIVE VICE PRESIDENT/COO	40.00	Officer	$371,676	$43,852	$415,528
TED RUBIN	VP OF INVESTMENT SERVICES	40.00	Highest	$233,461	$45,008	$278,469
KEVIN ISLEY	SVP EBANKING & DEVELOPMENT	40.00	Highest	$283,484	$45,085	$328,569
JEREMY ALGER	SVP INFORMATION TECHNOLOGY	40.00	Highest	$280,421	$47,356	$327,777
MINDY REEVES	SVP CREDIT ADMINISTRATION	40.00	Highest	$270,998	$46,885	$317,883
ERIN SPENCER	SVP COMMUNICATIONS & ENGAG	40.00	Highest	$265,815	$35,676	$301,491

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	$81,023,964	$60,676,869	$1,712,779,148	$20,347,095
2024	$71,084,286	$56,759,205	$1,676,813,394	$14,325,081
2024	$71,084,286	$56,759,205	$1,676,813,394	$14,325,081
2023	$62,808,074	$47,436,500	$1,676,601,574	$15,371,574
2022	$57,546,079	$40,033,603	$1,796,419,066	$17,512,476
2021	$50,673,220	$40,267,923	$1,761,836,849	$10,405,297
2020	$52,235,173	$39,596,799	$1,509,336,472	$12,638,374
2019	$48,103,593	$35,028,123	$1,168,074,827	$13,075,470
2018	$44,150,516	$31,717,252	$1,105,525,152	$12,433,264

FIRST COMMUNITY CREDIT UNION