SPRINGFIELD CITY EMPLOYEES CREDIT UNION (EIN 370790402) - Form 990 Financial Analysis & Trantor Score

🔒

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

Financial Trends

Organization Details

Formation Year

1958

Legal Domicile

Principal Officer

Diane M Lauterbach

Phone

2177892346

Tax Period

2025-01-01 to 2025-12-31

SPRINGFIELD CITY EMPLOYEES CREDIT UNION, founded in 1958, is a small nonprofit that reported $619K in total revenue in fiscal year 2025. The organization ran a surplus of $126K, a strong 20% operating margin.

Mission

To offer members a safe place to save and a competitive place to borrow.

🔒

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%)

Financial Overview (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $469,342

Investment Income $150,053

Other Revenue $0

TOTAL REVENUE $619,395

Expense Breakdown

Grants Paid $0

Salaries & Benefits $247,182

Fundraising Expenses $0

Program Expenses $0

Other Expenses $245,828

TOTAL EXPENSES $493,010

Year-over-Year Comparison

	2025	2024	Change
Revenue	$619,395	$597,450	+0.0%
Expenses	$493,010	$433,235	+0.1%
Net Income	$126,385	$164,215	-0.2%

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

Governance

Voting Members

Independent Members

N/A

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

$129,381

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Diane M Lauterbach	President/Manager	40	Key Emp	$129,381	$0	$129,381
Diane M Lauterbach	Chairman	1	Officer	$0	$0	$0
Jim Kuizin	Vice-Chairman	1	Officer	$0	$0	$0
Ryan Cowan	Treasurer	0	Officer	$0	$0	$0
John Kollins	Director	0	Officer	$0	$0	$0
Seena Friend	Director	0	Officer	$0	$0	$0
Melissa McCoy	Director	0	Officer	$0	$0	$0
Troy Snider	Director	0	Officer	$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	$619,395	$493,010	$12,655,914	$126,385
2024	No data	No data	No data	No data
2023	$520,848	$407,556	$12,231,586	$113,292
2022	$434,126	$349,150	$13,103,998	$84,976
2021	$435,357	$329,194	$12,626,877	$106,163
2020	$393,005	$330,539	$11,466,789	$62,466
2019	$412,888	$350,929	$10,663,139	$61,959
2018	$389,277	$334,584	$10,479,668	$54,693

SPRINGFIELD CITY EMPLOYEES CREDIT UNION