SCHNEIDER COMMUNITY CREDIT UNION (EIN 396108148) - 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

1968

Legal Domicile

Principal Officer

DORRIE SCHRIMPF

Phone

9209306155

Tax Period

2022-01-01 to 2022-04-30

SCHNEIDER COMMUNITY CREDIT UNION, founded in 1968, is a small nonprofit that reported $387K in total revenue in fiscal year 2021. Revenue fell 69% from the prior year — a significant decline worth monitoring.

Mission

LENDING A HAND THROUGH LIFES CROSSROADS.

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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 (2021)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $363,801

Investment Income $15,656

Other Revenue $7,289

TOTAL REVENUE $386,746

Expense Breakdown

Grants Paid $0

Salaries & Benefits $169,931

Fundraising Expenses $0

Other Expenses $224,701

TOTAL EXPENSES $394,632

Year-over-Year Comparison

	2021	2020	Change
Revenue	$386,746	$1,252,143	-0.7%
Expenses	$394,632	$1,244,320	-0.7%
Net Income	$-7,886	$7,823	-2.0%

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

$109,596

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DORRIE SCHRIMPF	PRESIDENT/CE	40.00	Officer	$33,109	$6,163	$39,272
MATHEW MONFILS	VP LENDING	40.00	Officer	$22,658	$1,553	$24,211
MICHELLE GARSOW	SR LOAN OFFI	40.00	Officer	$21,189	$1,177	$22,366
NOEL SNYDER	VP OPERATION	40.00	Officer	$20,911	$2,836	$23,747
ROSE MARY PELISHEK	CHAIRPERSON	0.50	Officer Director	$0	$0	$0
JEROME RABETSKI	VICE CHAIR	0.50	Officer Director	$0	$0	$0
GLENN WEYCKER	TREASURER	0.50	Officer Director	$0	$0	$0
CARY ROTTER	SECRETARY	0.50	Officer Director	$0	$0	$0
ARNIE KURTH	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
2022	$386,746	$394,632	No data	$-7,886
2021	$1,242,048	$1,218,577	$26,497,246	$23,471
2020	$1,252,143	$1,244,320	$23,444,073	$7,823
2019	$1,390,738	$1,362,873	$19,940,560	$27,865
2018	$1,403,580	$1,330,416	$20,561,797	$73,164

SCHNEIDER COMMUNITY CREDIT UNION