ST MARY'S & AFFILIATES CREDIT UNION

EIN: 391025877

MADISON, WI

Total Revenue
$1,023,423
Total Expenses
$850,614
Total Assets
N/A
Net Assets
N/A
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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
WI
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.

Program Service Accomplishments

Program 1

THE CREDIT UNION HAS VARIOUS TYPES OF DEPOSIT ACCOUNTS AVAILABLE FOR OUR MEMBERS. WE OPENED 78 NEW DEPOSIT ACCOUNTS IN 2023. AS OF 08/31/23 WE HAD 3,432 MEMBERS.

Program 2

THE CREDIT UNION HAS SEVERAL TYPES OF LOAN PROGRAMS AVAILABLE FOR OUR MEMBERS. WE FUNDED 940 NEW LOANS DURING 2023. AS OF 08/31/23 WE HAD 1,434 LOANS RECEIVABLE.

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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%)

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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

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Governance

Voting Members
5
Independent Members
4
Employees
N/A
Volunteers
19

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
5
$123,331
Total Directors
5
$123,331
Key Employees
0
$0
Highest Compensated
0
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
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