196 MIDDLETOWN AREA SCHOOLS CREDIT UNION (EIN 310622053) - 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

1937

Legal Domicile

Principal Officer

Martha Morgan

Phone

5134222392

Tax Period

2025-01-01 to 2025-12-31

196 MIDDLETOWN AREA SCHOOLS CREDIT UNION, founded in 1937, is a small nonprofit that reported $663K in total revenue in fiscal year 2025. The organization ran a surplus of $158K, a strong 24% operating margin.

Mission

The mission of the member-owned Middletown Area Schools Credit Union is to provide quality financial services to its members while maintaining fiscal responsibility.

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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 $513,536

Investment Income $149,833

Other Revenue $0

TOTAL REVENUE $663,369

Expense Breakdown

Grants Paid $0

Salaries & Benefits $176,754

Fundraising Expenses $0

Program Expenses $0

Other Expenses $328,518

TOTAL EXPENSES $505,272

Year-over-Year Comparison

	2025	2024	Change
Revenue	$663,369	$661,055	+0.0%
Expenses	$505,272	$471,091	+0.1%
Net Income	$158,097	$189,964	-0.2%

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Cecil R Barger	Director	0.50	Director	$0	$0	$0
Shirley Chaputa	Director	0.50	Director	$0	$0	$0
Linda Jester	Director	0.50	Director	$0	$0	$0
Terry Snelling	Director	0.50	Director	$0	$0	$0
Mary A Gast	Director-Secretary	0.50	Officer Director	$0	$0	$0
James J Stiver	Director/Vice President	0.50	Officer Director	$0	$0	$0
Martha Morgan	Director President	0.50	Officer 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
2025	$663,369	$505,272	$10,801,850	$158,097
2024	$661,055	$471,091	$10,193,948	$189,964
2023	$652,471	$502,637	$9,807,841	$149,834
2022	$404,301	$350,624	$9,398,111	$53,677
2021	$355,100	$376,909	$11,020,574	$-21,809
2020	$391,503	$415,398	$9,328,886	$-23,895
2019	$449,701	$429,888	$8,279,801	$19,813
2018	$470,989	$377,619	$7,829,480	$93,370

196 MIDDLETOWN AREA SCHOOLS CREDIT UNION