SIUE CREDIT UNION (EIN 370814055) - 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

1959

Legal Domicile

Principal Officer

Matthew Parrott

Phone

6186503760

Tax Period

2025-01-01 to 2025-12-31

SIUE CREDIT UNION, founded in 1959, is a community nonprofit that reported $1.4M in total revenue in fiscal year 2025. The organization ran a surplus of $338K, a strong 24% operating margin.

Mission

credit union providing low cost financial services to select employee groups and the local community for mutual purposes

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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 $964,016

Investment Income $462,783

Other Revenue $28

TOTAL REVENUE $1,426,827

Expense Breakdown

Grants Paid $0

Salaries & Benefits $407,937

Fundraising Expenses $0

Program Expenses $0

Other Expenses $680,660

TOTAL EXPENSES $1,088,597

Year-over-Year Comparison

	2025	2024	Change
Revenue	$1,426,827	$1,331,092	+0.1%
Expenses	$1,088,597	$1,051,928	+0.0%
Net Income	$338,230	$279,164	+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

$152,631

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Matthew Parrott	President/CEO	40.00	Officer	$86,019	$0	$86,019
Suzanne Lohrum	Executive Vice-President	40	Officer	$66,612	$0	$66,612
Jennifer Zimmerman	Associate Director	0	Director	$0	$0	$0
Bruce Meier	Associate Director	0	Director	$0	$0	$0
Maxine Callies	Director	0	Director	$0	$0	$0
Elizabeth Edwards	Secretary	0	Director	$0	$0	$0
Judy Harwell	Director	0	Director	$0	$0	$0
John Meehan	Director - Chairman of the Board	0	Director	$0	$0	$0
Marc Ortegren	Treasurer	0	Director	$0	$0	$0
Kenneth Holbert	Director	0	Director	$0	$0	$0
Musonda Kapatamoyo	Director	0	Director	$0	$0	$0
Morris Taylor	Director	0	Director	$0	$0	$0
Brad Allen	Director	0	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	$1,426,827	$1,088,597	$29,501,164	$338,230
2024	$1,331,092	$1,051,928	$28,339,564	$279,164
2023	$1,193,757	$944,263	$28,973,584	$249,494
2022	$966,251	$900,553	$29,825,696	$65,698
2021	$913,275	$783,336	$31,060,459	$129,939
2020	$952,074	$828,475	$26,765,515	$123,599
2019	$1,018,178	$852,926	$22,222,996	$165,252
2018	$915,869	$796,377	$20,918,402	$119,492

SIUE CREDIT UNION