SUPERIOR CREDIT UNION (EIN 231514461) - 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

1956

Legal Domicile

Principal Officer

KIMBERLY MILLER

Phone

6104897239

Tax Period

2025-01-01 to 2025-12-31

SUPERIOR CREDIT UNION, founded in 1956, is a community nonprofit that reported $4.5M in total revenue in fiscal year 2025. Expenses of $4.0M left a modest 11% surplus.

Mission

CREDIT UNION - TO PROVIDE FINANCIAL SERVICES FOR 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 $3,948,750

Investment Income $594,278

Other Revenue $-3,307

TOTAL REVENUE $4,539,721

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,471,720

Fundraising Expenses $0

Program Expenses $4,049,256

Other Expenses $2,577,536

TOTAL EXPENSES $4,049,256

Year-over-Year Comparison

	2025	2024	Change
Revenue	$4,539,721	$4,287,050	+0.1%
Expenses	$4,049,256	$4,335,292	-0.1%
Net Income	$490,465	$-48,242	-11.2%

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

$326,545

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
KIMBERLY MILLER	CEO	40.00	Officer	$140,000	$18,542	$158,542
SARAH SELVERIAN	CFO	40.00	Officer	$140,000	$28,003	$168,003
JASON VAVRA	BOARD CHAIRM	1.00	Director	$0	$0	$0
JAMES BOZZINI	BOARD VICE-C	1.00	Director	$0	$0	$0
ROBERT ZACHARATOS	BOARD SECRET	1.00	Director	$0	$0	$0
BRENT HARRIS	BOARD TREASU	1.00	Director	$0	$0	$0
ED PIRES JR	BOARD MEMBER	1.00	Director	$0	$0	$0
MICHAEL EWING	BOARD MEMBER	1.00	Director	$0	$0	$0
DARREN PRINTZ	BOARD MEMBER	1.00	Director	$0	$0	$0
STEPHEN BARTORILLO	SUPERVISORY	1.00	Officer	$0	$0	$0
LINDA BLYSTONE	SUPERVISORY	1.00	Officer	$0	$0	$0
WENDY HEFLYBOWER	SUPERVISORY	1.00	Officer	$0	$0	$0
KEVIN LOUGHLIN	SUPERVISORY	1.00	Officer	$0	$0	$0
DAVID KURTZ	SUPERVISORY	1.00	Officer	$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
2025	$4,539,721	$4,049,256	$64,796,857	$490,465
2024	$4,287,050	$4,335,292	$63,295,494	$-48,242
2023	$4,041,017	$3,720,968	$65,737,245	$320,049
2022	$3,437,421	$3,169,463	$67,982,121	$267,958
2021	$3,421,101	$2,989,779	$71,096,685	$431,322
2020	$2,940,816	$2,883,191	$63,730,691	$57,625
2019	$2,998,683	$3,051,000	$53,901,668	$-52,317
2018	$2,912,618	$2,572,884	$49,614,123	$339,734

SUPERIOR CREDIT UNION