St Jeans Credit Union (EIN 041801520) - 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

1910

Legal Domicile

Principal Officer

C DAVID SURFACE

Phone

7815925420

Tax Period

2024-01-01 to 2024-12-31

St Jeans Credit Union, founded in 1910, is a mid-sized nonprofit that reported $19.4M in total revenue in fiscal year 2024. Revenue grew 10% year-over-year, indicating healthy expansion. Expenses of $17.7M left a modest 9% surplus.

Mission

THE MISSION OF ST. JEAN'S CREDIT UNION IS TO FULFILL THE NEEDS OF OUR DIVERSE MEMBERSHIP WITH THE UTMOST INTEGRITY AND PRIVACY.

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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 $15,507,299

Investment Income $2,843,454

Other Revenue $1,071,560

TOTAL REVENUE $19,422,313

Expense Breakdown

Grants Paid $90,268

Salaries & Benefits $6,262,001

Fundraising Expenses $0

Other Expenses $11,378,199

TOTAL EXPENSES $17,730,468

Year-over-Year Comparison

	2024	2023	Change
Revenue	$19,422,313	$17,647,270	+0.1%
Expenses	$17,730,468	$15,245,944	+0.2%
Net Income	$1,691,845	$2,401,326	-0.3%

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

$453,266

Total Directors

$453,266

Key Employees

$418,715

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
C David Surface	President/CEO	40.0	Officer Director	$411,130	$42,136	$453,266
Kathleen Donahue	Executive Vice President	40.0	Key Emp	$182,907	$38,886	$221,793
Stephen Pedro	CFO	40.0	Key Emp	$160,980	$35,942	$196,922
James Metcalf	VP Consumer Lending	40.0	Highest	$147,700	$22,555	$170,255
Christopher Nardone	Chief Lending Officer	40.0	Highest	$136,520	$32,372	$168,892
Aline PAvao	Dir of Human Resources	40.0	Highest	$129,500	$32,078	$161,578
Kathryn MacDonald	VP of Compliance	40.0	Highest	$131,240	$25,077	$156,317
Nicole Cokorogianis	VP IT	40.0	Highest	$133,499	$19,968	$153,467
Ira Novoselsky	Treasurer/Clerk/director	2.0	Officer Director	$0	$0	$0
Lawrence Rausch	Director	2.0	Director	$0	$0	$0
Cheryl Webster	Director	2.0	Director	$0	$0	$0
Stephen Salvo	Director	2.0	Director	$0	$0	$0
Steven Walsh	Chairman	4.0	Officer Director	$0	$0	$0
Paul Amirault	1st Vice Chairman	2.0	Officer Director	$0	$0	$0
Timothy Shea	2nd Vice Chairman	2.0	Officer Director	$0	$0	$0
Shawn Newton	Director	2.0	Director	$0	$0	$0
Joy Livramento-Bryant	Director	2.0	Director	$0	$0	$0
George Anzuoni	Director	2.0	Director	$0	$0	$0
Alejandra Kough	Director	2.0	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	$19,422,313	$17,730,468	$378,327,787	$1,691,845
2023	$17,647,270	$15,245,944	$367,484,676	$2,401,326
2022	$12,416,891	$10,382,805	$334,286,442	$2,034,086
2021	$11,808,191	$10,403,697	$315,403,428	$1,404,494
2020	$12,139,021	$11,268,248	$300,448,236	$870,773
2019	$13,270,557	$11,105,079	$269,987,626	$2,165,478
2018	$10,712,957	$9,482,386	$248,810,388	$1,230,571

St Jeans Credit Union