School Employees Credit Union (EIN 396059908) - 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

1936

Legal Domicile

Principal Officer

Mike Matejka

Phone

7153925650

Tax Period

2023-01-01 to 2023-12-31

School Employees Credit Union, founded in 1936, is a small nonprofit that reported $109K in total revenue in fiscal year 2023. Revenue surged 30% from the prior year, signaling strong growth momentum. Expenses of $102K left a modest 6% surplus.

Mission

The School Employees Credit Union is a service provider to the employees of the School District of Superior and Northland Technical College-Superior. The credit union's mission is to provide support for the financial needs of our members.

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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 $104,602

Investment Income $3,907

Other Revenue $0

TOTAL REVENUE $108,509

Expense Breakdown

Grants Paid $0

Salaries & Benefits $48,447

Fundraising Expenses $0

Program Expenses $0

Other Expenses $53,820

TOTAL EXPENSES $102,267

Year-over-Year Comparison

	2023	2022	Change
Revenue	$108,509	$83,595	+0.3%
Expenses	$102,267	$83,078	+0.2%
Net Income	$6,242	$517	+11.1%

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

Volunteers

N/A

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

$43,920

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Tony Amys	Chief Financial Officer	13	Officer	$17,820	$0	$17,820
Dan Winkler	Chief Loan Office	8	Officer	$13,116	$0	$13,116
Mike Matejka	President/Director	8	Officer	$12,984	$0	$12,984
Jodie Wright	Chair	1	Officer Director	$0	$0	$0
Julie Rozowski	Treasurer	1	Officer Director	$0	$0	$0
Trishia Hipp	Secretary	1	Officer Director	$0	$0	$0
Melissa Gondik	Director	1	Director	$0	$0	$0
Kathleen Beiswenger	Director	1	Director	$0	$0	$0
Steve Paplior	Vice-Chair	1	Officer	$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	No data	No data	No data	No data
2024	No data	No data	No data	No data
2023	$108,509	$102,267	$2,536,703	$6,242
2022	$83,595	$83,078	$2,390,608	$517
2021	$80,825	$80,383	$2,454,782	$442
2020	$86,239	$85,485	$2,230,011	$754
2018	$82,248	$82,086	$2,223,720	$162

School Employees Credit Union