ST AUGUSTINE CREDIT UNION (EIN 237040335) - 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

1933

Legal Domicile

Principal Officer

Laurie Essner

Phone

5732703724

Tax Period

2025-01-01 to 2025-12-31

ST AUGUSTINE CREDIT UNION, founded in 1933, is a micro nonprofit in the Public & Societal Benefit sector that reported $61K in total revenue in fiscal year 2025. The organization ran a surplus of $14K, a strong 23% operating margin.

Mission

St. Augustine Credit Union supports our small community of Kelso, MO by offering great rates on dividends for share accounts and low interest rates on titled loans to St. Augustine Parish members or immediate family 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 $56,726

Investment Income $4,635

Other Revenue $0

TOTAL REVENUE $61,361

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $47,458

Other Expenses $25,082

TOTAL EXPENSES $47,458

Year-over-Year Comparison

	2025	2024	Change
Revenue	$61,361	$64,182	0.0%
Expenses	$47,458	$49,439	0.0%
Net Income	$13,903	$14,743	-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

N/A

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Jack Dannenmueller	Chairman of the Board of Directors	0.5	Director	$0	$0	$0
Mark Essner	Vice Chairman of the Board of Directors	0.5	Director	$0	$0	$0
Mary Kay Schlosser	Secretary/Treasurer Board of Directors	0.5	Director	$0	$0	$0
Brenda Arnzen	Director of Board of directors	0.5	Director	$0	$0	$0
Tina Blattel	Director of Board of Directors	0.5	Director	$0	$0	$0
Danny Raines	Director of Board of Directors	0.5	Director	$0	$0	$0
Craig Heisserer	Director of Board of Directors	0.5	Director	$0	$0	$0
Laurie Essner	Manager of Credit Union	0.5	Key Emp	$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	$61,361	$47,458	$1,501,290	$13,903
2024	No data	No data	No data	No data
2023	$60,282	$42,578	$1,656,395	$17,704
2022	$41,058	$31,075	$1,659,840	$9,983
2021	$38,240	$29,095	$1,586,217	$9,145
2020	$42,093	$32,048	$1,537,878	$10,045
2019	$44,713	$37,832	$1,564,622	$6,881

ST AUGUSTINE CREDIT UNION