SERVICE PLUS CREDIT UNION (EIN 362442996) - 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

1950

Legal Domicile

Principal Officer

KRISTINE KILBURG

Phone

3097362500

Tax Period

2025-01-01 to 2025-12-31

SERVICE PLUS CREDIT UNION, founded in 1950, is a community nonprofit that reported $1.5M in total revenue in fiscal year 2025. Revenue grew 12% year-over-year, indicating healthy expansion. Expenses of $1.4M left a modest 12% surplus.

Mission

PROVIDING CREDIT AND SAVINGS SERVICES

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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 $859,158

Investment Income $466,478

Other Revenue $210,265

TOTAL REVENUE $1,535,901

Expense Breakdown

Grants Paid $0

Salaries & Benefits $401,332

Fundraising Expenses $0

Program Expenses $1,358,860

Other Expenses $957,528

TOTAL EXPENSES $1,358,860

Year-over-Year Comparison

	2025	2024	Change
Revenue	$1,535,901	$1,375,506	+0.1%
Expenses	$1,358,860	$1,310,380	+0.0%
Net Income	$177,041	$65,126	+1.7%

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

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

$226,641

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
VICTOR MORENO	CHAIRMAN	1.00	Officer Director	$0	$0	$0
LARRY SHIMMIN	VICE CHAIR	1.00	Officer Director	$0	$0	$0
ALAN ANDERSON	SECRETARY/TREASURER	2.00	Officer Director	$0	$0	$0
SCOTT RONNEBECK	BOARD MEMBER	1.00	Director	$0	$0	$0
THOMAS REAGAN	BOARD MEMBER	1.00	Director	$0	$0	$0
MARK GRATTON	BOARD MEMBER	1.00	Director	$0	$0	$0
BRANDT ADAMSON	BOARD MEMBER	1.00	Director	$0	$0	$0
KRISTINE KILBURG	CEO/PRESIDENT	40.00	Officer	$96,916	$33,122	$130,038
ELENA SOSA	VICE PRESIDENT	40.00	Officer	$75,030	$21,573	$96,603

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	$1,535,901	$1,358,860	$34,970,166	$177,041
2024	No data	No data	No data	No data
2023	$1,184,386	$1,062,950	$31,020,239	$121,436
2022	$1,113,638	$928,406	$31,933,152	$185,232
2021	$1,074,397	$877,461	$29,581,201	$196,936
2020	$1,006,778	$891,448	$26,751,951	$115,330
2019	$989,663	$841,657	$22,912,780	$148,006
2018	$930,745	$805,926	$21,845,248	$124,819

SERVICE PLUS CREDIT UNION