St Elizabeth Credit Union (EIN 240858235) - 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

1934

Legal Domicile

Phone

6102623772

Tax Period

2024-01-01 to 2024-12-31

Mission

Credit Unions are a cooperative savings and credit associations

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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 $0

Investment Income $0

Other Revenue $0

TOTAL REVENUE $0

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $0

Other Expenses $0

TOTAL EXPENSES $0

Year-over-Year Comparison

	2024	2023	Change
Revenue	N/A	$366,339	-1.0%
Expenses	N/A	$214,241	-1.0%
Net Income	N/A	$152,098	N/A

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

N/A

Independent Members

N/A

Employees

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

$45,854

Total Directors

$45,854

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Charles Grabner	Director	0.00	Director	$0	$0	$0
Iona Newhard	Secretary	0.00	Officer Director	$0	$0	$0
Maureen E Young	Treasurer	40.00	Officer Director	$22,927	$0	$45,854
John Simko	Director	0.00	Director	$0	$0	$0
Robert Hauke Jr	President	0.00	Officer Director	$0	$0	$0
Thomas Micklas	Director	0.00	Director	$0	$0	$0
Jonathan Pany	Supervisory Committee	0.00	Director	$0	$0	$0
Frank Astl	Supervisory Committee	0.00	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	No data	No data	No data	No data
2023	$366,339	$214,241	$10,013,369	$152,098
2022	$117,673	$150,822	$10,694,300	$-33,149
2021	$144,876	$135,128	$10,789,423	$9,748
2020	$221,864	$144,581	$10,285,239	$77,283
2019	$250,017	$154,235	$9,959,617	$95,782
2018	$250,129	$149,754	$10,365,814	$100,375

St Elizabeth Credit Union