Educators Credit Union
EIN: 390555293 · Mt Pleasant, WI
| Metric | Value |
|---|---|
| Total Expenses | $57.0M |
| Net Assets | $145.6M |
Is Educators Credit Union Legit?
Insufficient Data
Assessment based on IRS 990 filings, spending patterns, and AI analysis. Not a guarantee of legitimacy. Full charity check →
About Educators Credit Union
Educators Credit Union (EIN: 390555293) is a nonprofit organization based in Mt Pleasant, WI. The organization reported total revenue of $0 and total assets of $0 according to its most recent IRS 990 filing. This transparency report provides an AI-powered analysis of Educators Credit Union's financial health, spending patterns, executive compensation, and overall mission effectiveness based on publicly available IRS data.
Organization Overview
Educators Credit Union is a major nonprofit, with 2 years of IRS 990 filings on record (2011–2012). Revenue has grown at a compound annual rate of -0.3%.
Key Financial Metrics (2012)
From the most recent IRS 990 filing on record:
| Total Revenue | $67.6M |
| Total Expenses | $57.0M |
| Surplus / Deficit | +$10.6M |
| Total Assets | $1.4B |
| Total Liabilities | $1.3B |
| Net Assets | $145.6M |
| Operating Margin | 15.7% |
| Debt-to-Asset Ratio | 89.7% |
| Months of Reserves | 296.9 months |
Financial Health Grade: A
In 2012, Educators Credit Union reported a surplus of $10.6M with revenue exceeding expenses, holds 296.9 months of operating reserves (strong position), has a debt-to-asset ratio of 89.7% (high leverage).
Financial Trends
Over 2 years of filings (2011–2012), Educators Credit Union's revenue has declined at a compound annual growth rate (CAGR) of -0.3%.
| Year | Revenue Change | Expense Change | Asset Change |
|---|---|---|---|
| 2012 | -0.3% | -3.6% | +6.9% |
AI Analysis Pending
AI enrichment for Educators Credit Union has not yet been completed. Basic IRS 990 data is shown below. Check back later for a full transparency report including a Mission Score, spending breakdown, executive compensation analysis, and red flags assessment.
Mission Effectiveness Score
NonprofitSpending's AI analysis rates Educators Credit Union with a Mission Score of 0 out of 100 (Very Poor). This score reflects the organization's overall financial transparency, program spending efficiency, and governance indicators derived from IRS 990 public filings.
Key Financial Metrics (2012)
From the most recent IRS 990 filing on record:
- The organization reported a surplus of $10.6M, with revenue exceeding expenses.
- Debt-to-asset ratio: 89.7%.
Frequently Asked Questions about Educators Credit Union
Is Educators Credit Union a legitimate charity?
Based on AI analysis of IRS 990 filings, Educators Credit Union (EIN: 390555293) insufficient data. 0 red flags identified, 0 strengths noted.
How does Educators Credit Union spend its money?
Detailed spending breakdown data is not yet available for Educators Credit Union. Check back for updated IRS 990 analysis.
Are donations to Educators Credit Union tax-deductible?
Educators Credit Union is registered as a tax-exempt nonprofit (EIN: 390555293). Donations to most 501(c)(3) organizations are tax-deductible. Consult a tax professional for your specific situation.
Where is Educators Credit Union located?
Educators Credit Union is headquartered in Mt Pleasant, Wisconsin and files with the IRS under EIN 390555293.
How many years of IRS 990 filings does Educators Credit Union have?
Educators Credit Union has 2 years of IRS 990 filings on record at NonprofitSpending. Additional filing years may become available as the IRS releases new data.
Filing History
IRS 990 filing history for Educators Credit Union showing financial trends over 2 years of public records:
Over 2 years of IRS 990 filings (2011–2012), Educators Credit Union's revenue has declined by 0.3%, moving from $67.8M to $67.6M. Total assets increased by 6.9% over the same period, from $1.3B to $1.4B. Total functional expenses fell by 3.6%, from $59.1M to $57.0M. In its most recent filing year (2012), Educators Credit Union reported a surplus of $10.6M, with revenue exceeding expenses. The organization holds $1.3B in liabilities against $1.4B in assets (debt-to-asset ratio: 89.7%), resulting in net assets of $145.6M.
| Year | Revenue | Expenses | Assets | Liabilities | Officer Comp. % | |
|---|---|---|---|---|---|---|
| 2012 | $67.6M | $57.0M | $1.4B | $1.3B | — | View 990 |
| 2011 | $67.8M | $59.1M | $1.3B | $1.2B | — | View 990 |
View Individual Filing Years
Explore detailed financial data from each IRS 990 filing year for Educators Credit Union:
Data Sources and Methodology
This transparency report for Educators Credit Union is generated by NonprofitSpending's AI analysis engine. The data is sourced from publicly available IRS 990 filings accessed through the ProPublica Nonprofit Explorer API and IRS electronic filing records. The Mission Score, spending breakdown, and other analytical insights are produced by artificial intelligence and should be used as one of multiple factors when evaluating a nonprofit organization.
IRS 990 forms are annual information returns that most tax-exempt organizations must file with the IRS. These forms provide detailed financial information including revenue, expenses, assets, liabilities, and compensation of officers. NonprofitSpending processes this data to provide accessible transparency reports for donors, researchers, and the general public.
Disclaimer
AI-generated analysis based on IRS public records. Not financial or legal advice. Verify information directly with the organization.