SUPERIOR MUNICIPAL EMPLOYEES CREDIT UNION (EIN 390863581) - 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

1948

Legal Domicile

Principal Officer

MICHAEL CONWAY

Phone

7153924466

Tax Period

2025-01-01 to 2025-12-31

SUPERIOR MUNICIPAL EMPLOYEES CREDIT UNION, founded in 1948, is a small nonprofit that reported $175K in total revenue in fiscal year 2025. Net assets of $500K represent 34 months of operating reserves.

Mission

SUPERIOR MUNICIPAL EMPLOYEES CREDIT UNION IS DEDICATED AND FOCUSED ON MEETING THE MEMBERSHIPS EVOLVING FINANCIAL NEEDS WHILE MAINTAINING OUR FINANCIAL STABILITY. WE AFFIRM WE ARE A MEMBER-OWNED, MEMBER-DRIVEN, NOT- FOR-PROFIT FINANCIAL ORGANIZATION.

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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 $165,548

Investment Income $9,505

Other Revenue $0

TOTAL REVENUE $175,053

Expense Breakdown

Grants Paid $0

Salaries & Benefits $87,560

Fundraising Expenses $0

Other Expenses $87,388

TOTAL EXPENSES $174,948

Year-over-Year Comparison

	2025	2024	Change
Revenue	$175,053	$167,771	+0.0%
Expenses	$174,948	$165,026	+0.1%
Net Income	$105	$2,745	-1.0%

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

$74,958

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MICHAEL CONWAY	PRESIDENT	40.00	Officer	$74,958	$0	$74,958
DENNIS DALBEC	CHAIR	0.25	Officer Director	$0	$0	$0
JASON SERCK	VICE CHAIR	0.25	Officer Director	$0	$0	$0
DALE KUTZ	SECRETARY	0.25	Officer Director	$0	$0	$0
SAM FINKBEINER	TREASURER	0.25	Officer Director	$0	$0	$0
RICHARD TABER	DIRECTOR	0.25	Director	$0	$0	$0
FRANK GOTELAERE	DIRECTOR	0.25	Director	$0	$0	$0
NICK EASTMAN	DIRECTOR	0.25	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	$175,053	$174,948	$3,030,401	$105
2024	$167,771	$165,026	$3,135,377	$2,745
2023	$149,232	$199,106	$2,957,123	$-49,874
2022	$137,448	$137,130	$3,484,884	$318
2021	$138,985	$138,890	$3,614,395	$95
2020	$149,914	$149,629	$3,405,529	$285
2019	$164,106	$168,973	$3,468,083	$-4,867
2018	$158,086	$153,461	$3,562,123	$4,625

SUPERIOR MUNICIPAL EMPLOYEES CREDIT UNION