Missouri Credit Union (EIN 237024415) - 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

1969

Legal Domicile

Phone

5738741477

Tax Period

2024-01-01 to 2024-12-31

Missouri Credit Union, founded in 1969, is a mid-sized nonprofit that reported $33.4M in total revenue in fiscal year 2024. Revenue grew 14% year-over-year, indicating healthy expansion. The organization ran a surplus of $5.4M, a strong 16% operating margin.

Mission

MISSOURI CREDIT UNION (MCU) IS OPERATED FOR MUTUAL PURPOSES.

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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 $25,116,170

Investment Income $8,104,122

Other Revenue $162,932

TOTAL REVENUE $33,383,224

Expense Breakdown

Grants Paid $62,866

Salaries & Benefits $7,524,132

Fundraising Expenses $0

Program Expenses $0

Other Expenses $11,161,416

TOTAL EXPENSES $27,949,191

Year-over-Year Comparison

	2024	2023	Change
Revenue	$33,383,224	$29,399,852	+0.1%
Expenses	$27,949,191	$24,313,033	+0.1%
Net Income	$5,434,033	$5,086,819	+0.1%

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

122

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

$1,194,026

Total Directors

Key Employees

$158,559

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
HOWARD PYRON	TREASURER	0.5	Officer Director	$0	$0	$0
KEE GROSHONG	CHAIR	0.5	Officer Director	$0	$0	$0
MARK KAISER	VICE CHAIR	0.5	Officer Director	$0	$0	$0
RICHARD OTTO	SECRETARY	0.5	Officer Director	$0	$0	$0
ANDY BONDERER	DIRECTOR	0.5	Director	$0	$0	$0
ANNE ROBINSON	DIRECTOR	0.5	Director	$0	$0	$0
BETHANY ABELN	DIRECTOR	0.5	Director	$0	$0	$0
DON GREER	DIRECTOR	0.5	Director	$0	$0	$0
RANDY MORROW	DIRECTOR	0.5	Director	$0	$0	$0
STEPHEN PRICE	DIRECTOR	0.5	Director	$0	$0	$0
DEANN BARTON	COO	40.0	Officer	$238,950	$35,897	$274,847
HAROLD JAMES	PRESIDENT	40.0	Officer	$588,131	$49,498	$637,629
ROBERT PERKINS	CFO	40.0	Officer	$245,768	$35,782	$281,550
CHENGFAN XU	SR VICE PRESIDENT UNTIL 4/5/2024	40.0	Key Emp	$150,381	$8,178	$158,559
DAVID MORROW	VICE PRESIDENT	40.0	Highest	$143,129	$13,819	$156,948
Denise Huddleston	VICE PRESIDENT	40.0	Highest	$123,366	$21,512	$144,878
KRISTY BRYANT	VICE PRESIDENT	40.0	Highest	$142,631	$25,342	$167,973
LORI RHOADES	VICE PRESIDENT	40.0	Highest	$121,468	$46,582	$168,050
MARGIE BRAMON	VICE PRESIDENT	40.0	Highest	$118,129	$23,281	$141,410

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	No data	No data	No data	No data
2024	$33,383,224	$27,949,191	$563,405,047	$5,434,033
2023	$29,399,852	$24,313,033	$537,313,890	$5,086,819
2022	$22,077,844	$17,528,549	$525,519,430	$4,549,295
2021	$19,862,904	$17,370,865	$526,230,931	$2,492,039
2020	$19,994,642	$17,176,918	$449,504,582	$2,817,724
2019	$20,673,420	$17,774,154	$374,222,516	$2,899,266
2018	$18,615,336	$15,987,464	$341,727,696	$2,627,872

Missouri Credit Union