ST MARY'S CREDIT UNION INC (EIN 041802000) - 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

1913

Legal Domicile

Principal Officer

SARAH BOLTE

Phone

5084908000

Tax Period

2025-01-01 to 2025-12-31

ST MARY'S CREDIT UNION INC, founded in 1913, is a mid-sized nonprofit that reported $48.5M in total revenue in fiscal year 2025. Revenue grew 8% year-over-year, indicating healthy expansion. Expenses of $44.8M left a modest 8% surplus.

Mission

TO PROVIDE OUR MEMBERS/OWNERS WITH SUPERIOR FINANCIAL PRODUCTS AND SERVICES.

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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 $41,823,957

Investment Income $5,775,653

Other Revenue $877,342

TOTAL REVENUE $48,476,952

Expense Breakdown

Grants Paid $0

Salaries & Benefits $13,460,994

Fundraising Expenses $0

Program Expenses $44,792,250

Other Expenses $31,331,256

TOTAL EXPENSES $44,792,250

Year-over-Year Comparison

	2025	2024	Change
Revenue	$48,476,952	$44,843,200	+0.1%
Expenses	$44,792,250	$42,922,745	+0.0%
Net Income	$3,684,702	$1,920,455	+0.9%

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

161

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

$3,525,836

Total Directors

$46,247

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
THOMAS H WELLEN	DIRECTOR	5.00	Director	$1,881	$0	$1,881
THOMAS F SEYMOUR	DIRECTOR	5.00	Director	$0	$0	$0
DAVID BRUMBY	DIRECTOR	5.00	Director	$1,963	$0	$1,963
GERARD P RICHER	CHAIRMAN DIRECTOR	5.00	Director	$8,143	$0	$8,143
JAMES F TOOHEY	DIRECTOR	5.00	Director	$0	$0	$0
PHILIPPE BOUVIER	DIRECTOR	5.00	Director	$3,102	$0	$3,102
KAREN GADBOIS	DIRECTOR	5.00	Director	$7,746	$0	$7,746
RICHARD P VALARIOTI	DIRECTOR	5.00	Director	$5,762	$0	$5,762
JOSEPH BANE	DIRECTOR	5.00	Director	$1,805	$0	$1,805
SANDRA FARRELL	DIRECTOR	5.00	Director	$6,835	$0	$6,835
BRIAN BOUVIER	DIRECTOR	5.00	Director	$8,321	$0	$8,321
AARON JACKSON	DIRECTOR	5.00	Director	$689	$0	$689
WILLIAM YAGER	VP INDIRECT LENDING	40.00	Officer	$115,915	$33,608	$149,523
APRIL STERNDALE	VP COMPLIANCE	40.00	Officer	$146,503	$26,808	$173,311
SARAH BOLTE	SVP CFO	40.00	Officer	$311,571	$18,882	$330,453
EILEEN POTTER	VP & CONTROLLER	40.00	Officer	$174,516	$37,647	$212,163
HEIDI PIERCE	VP MEMBER SOLUTIONS	40.00	Officer	$138,663	$35,782	$174,445
DEBORAH DEVRIES	VP BUSINESS DEVELOPMENT	40.00	Officer	$136,061	$26,938	$162,999
KRISTINE CHIASSON	VP CONSUMER LENDING	40.00	Officer	$144,853	$36,302	$181,155
BRYAN MOORE	VP COMMERCIAL LOAN OFFICER	40.00	Officer	$154,375	$12,780	$167,155
CHRISTINE MONTEIRO	SVP RETAIL SERVICES	40.00	Officer	$205,230	$39,226	$244,456
JOHN HENDRISKE	SVP, SENIOR LENDING OFFICE	40.00	Officer	$279,395	$48,877	$328,272
MELISSA EAGLES	VP REAL ESTATE LENDING	40.00	Officer	$168,264	$38,487	$206,751
ARMAND FERNANDEZ	SVP SMALL BUSINESS LENDING	40.00	Officer	$177,395	$39,296	$216,691
JAMES PETKEWICH	EVP COO	40.00	Officer	$339,577	$51,755	$391,332
MARIA PENNIMAN	VP BRANCH MANAGER	40.00	Officer	$112,878	$33,306	$146,184
CHRISTOPHER COOMEY	SVP CHEIF INFORMATION OFFI	40.00	Officer	$216,138	$33,145	$249,283
GRACE LEE	PRESIDENT & CEO	40.00	Officer	$167,054	$378	$167,432
LEONARD SILVA	SVP CHIEF BDO/SR. CREDIT OFF	40.00	Officer	$24,231	$0	$24,231
SCOTT KURPOSKA	DIRECTORS OF FACILITIES	40.00	Highest	$130,025	$34,971	$164,996
KAREN MITCHELL	MORTGAGE ORIGINATOR	40.00	Highest	$125,324	$29,516	$154,840
STEPHEN SHAMBO	IT SOLUTIONS LEAD	40.00	Highest	$133,237	$35,269	$168,506
HELENA RAMNER-BROWN	EXECUTIVE ASSISTANT	40.00	Highest	$138,475	$19,937	$158,412
ERIN MCNALLY	HUMAN RESOURCES MANAGER	40.00	Highest	$128,897	$34,548	$163,445

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	$48,476,952	$44,792,250	$1,035,992,369	$3,684,702
2024	$44,843,200	$42,922,745	$1,003,341,933	$1,920,455
2023	$41,055,689	$36,815,996	$995,833,346	$4,239,693
2022	$32,310,700	$27,139,233	$985,400,554	$5,171,467
2021	$30,732,004	$24,987,005	$976,475,414	$5,744,999
2020	$32,685,266	$28,654,490	$948,989,211	$4,030,776
2019	$33,460,786	$30,346,830	$875,439,295	$3,113,956
2018	$31,379,566	$27,159,568	$874,237,400	$4,219,998

ST MARY'S CREDIT UNION INC