SPIRE CREDIT UNION (EIN 410585825) - 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

1934

Legal Domicile

Principal Officer

DAN STOLTZ

Phone

6512153500

Tax Period

2023-01-01 to 2023-12-31

SPIRE CREDIT UNION, founded in 1934, is a major nonprofit that reported $116.3M in total revenue in fiscal year 2023. Revenue surged 30% from the prior year, signaling strong growth momentum.

Mission

TO IMPROVE THE FINANCIAL WELL BEING OF OUR MEMBER-OWNERS.

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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 $104,138,622

Investment Income $12,125,998

Other Revenue $0

TOTAL REVENUE $116,264,620

Expense Breakdown

Grants Paid $383,084

Salaries & Benefits $38,361,310

Fundraising Expenses $0

Other Expenses $57,968,195

TOTAL EXPENSES $113,681,958

Year-over-Year Comparison

	2023	2022	Change
Revenue	$116,264,620	$89,487,429	+0.3%
Expenses	$113,681,958	$73,419,128	+0.5%
Net Income	$2,582,662	$16,068,301	-0.8%

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

500

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

$4,603,488

Total Directors

$1,663,552

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DAN STOLTZ	CEO	40.00	Officer Director	$1,598,130	$65,422	$1,663,552
TOM HEINZEN	CHAIR	1.00	Officer Director	$0	$0	$0
LYNN KOTHE	VICE CHAIR	1.00	Officer Director	$0	$0	$0
BOB OEHRLEIN	SECRETARY/TREASURER	1.00	Officer Director	$0	$0	$0
LEE BRUCKER	DIRECTOR	1.00	Director	$0	$0	$0
CARL ANDERSON	DIRECTOR	1.00	Director	$0	$0	$0
PAUL MILLER	DIRECTOR	1.00	Director	$0	$0	$0
JIM TAGLIA	DIRECTOR	1.00	Director	$0	$0	$0
JIM NIMLOS	DIRECTOR	1.00	Director	$0	$0	$0
CLIFF WANTZ	SR VP OF LENDING AND PRODU	40.00	Officer	$459,585	$107,444	$567,029
JAMES GANGER	SR VP RELATIONSHIP & SERVI	40.00	Officer	$487,347	$87,512	$574,859
JUSTIN BURLESON	SVP/CHIEF OPS & FINANCIAL OFFICER	40.00	Officer	$689,771	$104,927	$794,698
CASEY CARLSON	SVP CHIEF MARKETING OFFICER	40.00	Officer	$423,821	$86,441	$510,262
PAUL ZYLA	SVP/CHIEF INFORMATION OFFICER	40.00	Officer	$398,559	$94,529	$493,088
TOM LANGSETH	INVESTMENT SERVICE ADVISOR	40.00	Highest	$521,136	$79,048	$600,184
STEVE CARLSON	FINANCIAL EXECUTIVE	40.00	Highest	$238,476	$79,306	$317,782
DANIELLE PFEIFER	VP OF RELATIONSHIP & SERVICE EXPERIENCE	40.00	Highest	$243,578	$65,208	$308,786
LEWIS BUCKINGHAM	VP CARD & PRODUCT SERVICES	40.00	Highest	$254,593	$26,955	$281,548
WINDY MACZKO	WEALTH MANAGEMENT	40.00	Highest	$230,387	$73,725	$304,112

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
2024	No data	No data	No data	No data
2023	$116,264,620	$113,681,958	$2,167,288,625	$2,582,662
2022	$89,487,429	$73,419,128	$2,119,022,641	$16,068,301
2021	$81,305,193	$60,560,252	$1,948,614,361	$20,744,941
2020	$69,087,243	$57,545,759	$1,554,375,693	$11,541,484
2019	$59,842,034	$50,726,299	$1,242,852,658	$9,115,735
2018	$50,364,322	$42,721,415	$1,072,790,298	$7,642,907

SPIRE CREDIT UNION