SABATTUS REGIONAL CREDIT UNION (EIN 010261000) - 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

TIFFINY STEWART

Phone

2073756538

Tax Period

2024-01-01 to 2024-12-31

SABATTUS REGIONAL CREDIT UNION, founded in 1957, is a community nonprofit that reported $4.3M in total revenue in fiscal year 2024. Revenue surged 24% from the prior year, signaling strong growth momentum. Expenses of $3.7M left a modest 14% surplus.

Mission

TO PROVIDE FINANCIAL SERVICES TO IT'S 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 (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $2,676,409

Investment Income $1,562,192

Other Revenue $65,403

TOTAL REVENUE $4,304,004

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,396,228

Fundraising Expenses $0

Program Expenses $3,694,580

Other Expenses $2,326,058

TOTAL EXPENSES $3,722,286

Year-over-Year Comparison

	2024	2023	Change
Revenue	$4,304,004	$3,459,425	+0.2%
Expenses	$3,722,286	$3,088,793	+0.2%
Net Income	$581,718	$370,632	+0.6%

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

N/A

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

$166,874

Total Directors

$166,874

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
THEODORE SMITH	CHAIRPERSON	1.00	Officer Director	$0	$0	$0
TIFFINY STEWART	PRESIDENT/CEO/TREASURER	40.00	Officer Director	$137,649	$29,225	$166,874
MARK DUQUETTE	VICE-CHAIRPERSON	1.00	Officer Director	$0	$0	$0
RUBEN CORNELIUS	SECRETARY	1.00	Officer Director	$0	$0	$0
SUZAN BOULEY	DIRECTOR	1.00	Director	$0	$0	$0
RICHARD LACOMBE	DIRECTOR	1.00	Director	$0	$0	$0
JP MITCHELL	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	$4,304,004	$3,722,286	$79,493,448	$581,718
2023	$3,459,425	$3,088,793	$73,835,312	$370,632
2023	$3,459,425	$3,088,793	$73,835,312	$370,632
2022	$2,752,661	$2,391,078	$75,562,261	$361,583
2021	$2,472,839	$2,157,235	$73,474,429	$315,604
2020	$2,538,662	$2,284,035	$62,608,228	$254,627
2019	$2,626,286	$2,251,768	$50,671,060	$374,518
2018	$2,409,241	$2,055,822	$44,848,477	$353,419

SABATTUS REGIONAL CREDIT UNION