ST MARY'S & AFFILIATES CREDIT UNION (EIN 391025877) - 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

MICHELE L LEHMANN

Phone

6082871304

Tax Period

2023-01-01 to 2023-08-31

ST MARY'S & AFFILIATES CREDIT UNION, founded in 1959, is a community nonprofit that reported $1.0M in total revenue in fiscal year 2023. Revenue decreased 18% compared to the prior year. The organization ran a surplus of $173K, a strong 17% operating margin.

Mission

IN THE SPIRIT OF PEOPLE HELPING PEOPLE, WE ASSIST OUR MEMBERS IN ACHIEVING FINANCIAL HEALTH.

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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 (2023)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $745,134

Investment Income $272,413

Other Revenue $5,876

TOTAL REVENUE $1,023,423

Expense Breakdown

Grants Paid $750

Salaries & Benefits $296,633

Fundraising Expenses $0

Other Expenses $553,231

TOTAL EXPENSES $850,614

Year-over-Year Comparison

	2023	2022	Change
Revenue	$1,023,423	$1,245,055	-0.2%
Expenses	$850,614	$1,164,314	-0.3%
Net Income	$172,809	$80,741	+1.1%

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

N/A

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

$123,331

Total Directors

$123,331

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MICHELE L LEHMANN	PRESIDENT	50.00	Officer Director	$107,019	$16,312	$123,331
LAURA JELLE	CHAIR	1.00	Officer Director	$0	$0	$0
DIANNE RILEY	VICE CHAIR	1.00	Officer Director	$0	$0	$0
DAVID TOPP	TREASURER	1.00	Officer Director	$0	$0	$0
BARBARA BERGUM	SECRETARY	1.00	Officer 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
2023	$1,023,423	$850,614	No data	$172,809
2022	$1,245,055	$1,164,314	$36,177,681	$80,741
2021	$1,304,798	$1,475,198	$37,117,609	$-170,400
2020	$1,440,965	$1,459,329	$39,461,185	$-18,364
2019	$1,531,985	$1,459,627	$32,550,681	$72,358
2018	$1,519,457	$1,403,735	$32,327,824	$115,722

ST MARY'S & AFFILIATES CREDIT UNION