281 ST JAMES PARISH CREDIT UNION INC

EIN: 316033713

CINCINNATI, OH

Total Revenue
$335,929
Total Expenses
$280,736
Total Assets
$5,893,618
Net Assets
$1,206,429
🔒

Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

Sign in with your work email to view Tuckman-Chang indicators

Sign In — Free (10 views/day)

Financial Trends

Organization Details

Formation Year
1939
Legal Domicile
OH
Principal Officer
Millie Nie
Phone
5133855921
Tax Period
2024-01-01 to 2024-12-31

281 ST JAMES PARISH CREDIT UNION INC, founded in 1939, is a small nonprofit that reported $336K in total revenue in fiscal year 2024. Revenue surged 22% from the prior year, signaling strong growth momentum. The organization ran a surplus of $55K, a strong 16% operating margin.

Mission

TO PROVIDE LENDING & SAVINGS & OTHER FINANCIAL SERVICES TO ITS QUALIFYING MEMBERS AT TERMS GENERALLY BETTER THEN AVAILABLE IN THE MARKET PLACE AND WITH SERVICE BASED EMPHASIS THE RECOGNIZED THE MEMBER

🔒

Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

Sign in to view Trantor Score and financial metrics

Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Sign In — Free (10 views/day)

Financial Overview (2024)

Revenue Breakdown

Contributions & Grants $0
Program Service Revenue $267,914
Investment Income $68,015
Other Revenue $0
TOTAL REVENUE $335,929

Expense Breakdown

Grants Paid $0
Salaries & Benefits $111,687
Fundraising Expenses $0
Program Expenses $280,736
Other Expenses $169,049
TOTAL EXPENSES $280,736

Year-over-Year Comparison

2024 2023 Change
Revenue $335,929 $276,268 +0.2%
Expenses $280,736 $239,512 +0.2%
Net Income $55,193 $36,756 +0.5%
Key Indicators
✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✗ Schedule B Required
🔒

Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

Sign in to view all financial metrics

Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

Sign In

Governance

Voting Members
11
Independent Members
10
Employees
4
Volunteers
11

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
$0
Total Directors
11
$0
Key Employees
0
$0
Highest Compensated
1
reported
Name Title Hours/Week Role Reportable Comp Other Comp Total
DEBBIE SCHUSTER MANAGER 35
Highest
$47,540 $0 $47,540
JULIANNE BRUZINA DIRECTOR 0.50
Director
$0 $0 $0
RICHARD BETSCH DIRECTOR PRESIDENT 0.5
Officer Director
$0 $0 $0
DONNA BUSHMAN DIRECTOR 0.5
Director
$0 $0 $0
STEVEN BUSHMAN DIRECTOR TREASURER 0.5
Director
$0 $0 $0
STEPHEN GEMPERLINE DIRECTOR 0.5
Director
$0 $0 $0
THOMAS GOLDSCHMIDT DIRECTOR 0.5
Director
$0 $0 $0
RICHARD HARMEYER DIRECTOR 0.5
Director
$0 $0 $0
PATRICK MEEHAN DIRECTOR VICE PRESIDENT 0.5
Director
$0 $0 $0
GREGORY STEINMETZ DIRECTOR 0.5
Director
$0 $0 $0
FRANK WINGERT DIRECTOR 0.5
Director
$0 $0 $0
JESSICA LEI BOARD OF DIRECTOR 0.5
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 No data No data No data No data
2024 $335,929 $280,736 $5,893,618 $55,193
2023 $276,268 $239,512 $5,793,966 $36,756
2022 $271,114 $222,387 $6,680,186 $48,727
2021 $241,470 $219,371 $6,179,249 $22,099
2020 $255,569 $232,925 $6,077,913 $22,644
2019 $266,866 $237,084 $5,885,986 $29,782
Explore More Nonprofits
→Top 100 Nonprofits in Ohio →Largest U.S. Nonprofits →Best Rated Nonprofits →Most Efficient Nonprofits

Compare 281 ST JAMES PARISH CREDIT UNION INC with other nonprofits in Ohio and across the country.

We Value Your Privacy
We use cookies and similar technologies to analyze site traffic and improve your experience. By clicking "Accept All", you consent to our use of cookies for analytics and measurement.