MEMBERS 1ST CREDIT UNION (EIN 940362026) - 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

1936

Legal Domicile

Principal Officer

CAROLINE REDMANN

Phone

5302226060

Tax Period

2025-01-01 to 2025-10-30

MEMBERS 1ST CREDIT UNION, founded in 1936, is a mid-sized nonprofit that reported $16.9M in total revenue in fiscal year 2025. The organization ran a surplus of $4.6M, a strong 27% operating margin.

Mission

A COOPERATIVE, ORGANIZED FOR THE PURPOSE OF PROMOTING THRIFT AND SAVINGS AMONG ITS 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 $13,234,147

Investment Income $3,529,772

Other Revenue $181,685

TOTAL REVENUE $16,945,604

Expense Breakdown

Grants Paid $45,540

Salaries & Benefits $4,797,493

Fundraising Expenses $0

Other Expenses $7,530,799

TOTAL EXPENSES $12,373,832

Year-over-Year Comparison

	2025	2024	Change
Revenue	$16,945,604	$17,076,694	0.0%
Expenses	$12,373,832	$13,695,108	-0.1%
Net Income	$4,571,772	$3,381,586	+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

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

$329,713

Total Directors

Key Employees

$172,607

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
KENNETH REED	BOARD CHAIR	1.00	Director	$0	$0	$0
SHARON O'QUIN	BOARD VICE CHAIR	1.00	Director	$0	$0	$0
KARINA LAPP	BOARD TREASURER & SECRETARY	1.00	Director	$0	$0	$0
ALLEN FELSENTHAL	BOARD MEMBER	1.00	Director	$0	$0	$0
GRIFFITH TONKIN	BOARD MEMBER	1.00	Director	$0	$0	$0
JASON MONTAGUE	BOARD MEMBER	1.00	Director	$0	$0	$0
RILEY BRESLIN	BOARD MEMBER	1.00	Director	$0	$0	$0
JAMES WILSON	BOARD MEMBER	1.00	Director	$0	$0	$0
ERIC WOODSTROM	BOARD MEMBER	1.00	Director	$0	$0	$0
SCOTT BADGER	BOARD MEMBER	1.00	Director	$0	$0	$0
BLAKE WERNER	BOARD MEMBER	1.00	Director	$0	$0	$0
BRYAN FRASER	SUPERVISORY COMMITTEE CHAIR	1.00	Director	$0	$0	$0
STEVE CLARK	SUPERVISORY COMMITTEE MEMBER	1.00	Director	$0	$0	$0
AMANDA DEOCAMPO	SUPERVISORY COMMITTEE MEMBER	1.00	Director	$0	$0	$0
CAROLINE REDMANN	CEO/PRESIDENT	40.00	Officer	$297,982	$31,731	$329,713
AARON PITROFF	VP OF LENDING	40.00	Key Emp	$152,565	$20,042	$172,607
NOEL STRATTON	VP OF IT	40.00	Highest	$134,668	$5,971	$140,639
JOSHUA MARKLE	VP OF MARKETING/HR	40.00	Highest	$132,125	$7,777	$139,902
MEGAN LITTLER	VP OF OPERATIIONS	40.00	Highest	$128,381	$5,044	$133,425
MICHAEL HANICH	INDIRECT LOAN MANAGER	40.00	Highest	$110,905	$5,854	$116,759

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	$16,945,604	$12,373,832	No data	$4,571,772
2024	$17,076,694	$13,695,108	$340,724,621	$3,381,586
2023	$14,755,196	$11,999,082	$317,741,113	$2,756,114
2022	$12,578,808	$10,309,174	$328,864,768	$2,269,634
2021	$10,925,251	$9,029,091	$307,109,045	$1,896,160
2020	$10,530,549	$8,590,863	$274,338,047	$1,939,686
2019	$10,283,143	$8,281,570	$230,584,598	$2,001,573

MEMBERS 1ST CREDIT UNION