STOPPENBACH CREDIT UNION (EIN 396047476) - 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

1937

Legal Domicile

Principal Officer

JOETTA FURGASON

Phone

9206742325

Tax Period

2025-01-01 to 2025-12-31

STOPPENBACH CREDIT UNION, founded in 1937, is a small nonprofit that reported $106K in total revenue in fiscal year 2025. Net assets of $461K represent 52 months of operating reserves.

Mission

A COOPERATIVE, NON-PROFIT CORPORATION, INCORPORATED TO ENCOURAGE THRIFT AMONG ITS MEMBERS, CREATE A SOURCE OF CREDIT AT A FAIR AND REASONABLE COST, AND PROVIDE AN OPPORTUNITY FOR ITS MEMBERS TO IMPROVE THEIR ECONOMIC AND SOCIAL CONDITIONS.

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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 $96,231

Investment Income $9,995

Other Revenue $0

TOTAL REVENUE $106,226

Expense Breakdown

Grants Paid $0

Salaries & Benefits $44,829

Fundraising Expenses $0

Other Expenses $65,160

TOTAL EXPENSES $109,989

Year-over-Year Comparison

	2025	2024	Change
Revenue	$106,226	$107,978	0.0%
Expenses	$109,989	$105,569	+0.0%
Net Income	$-3,763	$2,409	-2.6%

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

$39,624

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JOETTA FURGASON	PRESIDENT	32.00	Officer	$39,624	$0	$39,624
KURTIS KERNAN	CHAIR	0.50	Officer Director	$0	$0	$0
CHARLES MOEHLING	VICE CHAIR	0.50	Officer Director	$0	$0	$0
KEITH GRIEP	TREASURER	1.00	Officer Director	$0	$0	$0
LANA JILEK	SECRETARY	0.50	Officer Director	$0	$0	$0
RAUL GUERRA	DIRECTOR	0.50	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	$106,226	$109,989	$1,969,586	$-3,763
2024	$107,978	$105,569	$2,020,076	$2,409
2023	$110,949	$100,653	$2,007,975	$10,296
2022	$96,322	$82,145	$1,843,425	$14,177
2021	$92,183	$80,196	$1,851,147	$11,987
2020	$94,371	$84,946	$1,732,414	$9,425
2019	$89,056	$81,221	$1,656,299	$7,835
2018	$76,130	$74,819	$1,378,074	$1,311

STOPPENBACH CREDIT UNION