ALEXANDRIA SCHOOL EMPLOYEES CREDIT UNION (EIN 410856059) - 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

1954

Legal Domicile

Principal Officer

CARI LARSON

Phone

3207626533

Tax Period

2025-01-01 to 2025-12-31

ALEXANDRIA SCHOOL EMPLOYEES CREDIT UNION, founded in 1954, is a small nonprofit that reported $415K in total revenue in fiscal year 2025. Revenue grew 9% year-over-year, indicating healthy expansion. The organization ran a surplus of $96K, a strong 23% operating margin.

Mission

State chartered credit union offering share accounts and consumer loans to its 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 (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $381,742

Investment Income $33,340

Other Revenue $0

TOTAL REVENUE $415,082

Expense Breakdown

Grants Paid $0

Salaries & Benefits $64,251

Fundraising Expenses $0

Program Expenses $0

Other Expenses $32,339

TOTAL EXPENSES $319,135

Year-over-Year Comparison

	2025	2024	Change
Revenue	$415,082	$379,944	+0.1%
Expenses	$319,135	$334,401	0.0%
Net Income	$95,947	$45,543	+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

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

$450

Total Directors

$69,050

Key Employees

$68,600

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Cari Larson	Treasurer	30	Director Key Emp Highest	$68,600	$0	$68,600
Carole Weber-Brown	Secretary/Asst Treasurer	1.00	Officer Director	$450	$0	$450
Ruth Dickey	Vice Chair	0.25	Director	$0	$0	$0
Mary Ronning	Supervisory Committee Chair	0.25	Director	$0	$0	$0
Annette Pavek	Credit Committee member	0.25	Director	$0	$0	$0
Nicholas Larson	Chair	0.25	Director	$0	$0	$0
Aaron Korynta	Credit Committee Chair	0.25	Director	$0	$0	$0
Brandon Johnson	Credit Committee	0.25	Director	$0	$0	$0
Amber Johannes	Board Member	0.25	Director	$0	$0	$0
Cheryl Grammentz	Supervisory Committee Member	0.25	Director	$0	$0	$0
Dave Harstad	Supervisory Committee Member	0.25	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	$415,082	$319,135	$9,210,181	$95,947
2024	$379,944	$334,401	$8,652,741	$45,543
2023	$340,563	$295,690	$8,829,056	$44,873
2022	$263,333	$202,121	$8,614,498	$61,212
2021	$247,357	$187,428	$8,016,014	$59,929
2020	$203,858	$178,254	$7,424,473	$25,604

ALEXANDRIA SCHOOL EMPLOYEES CREDIT UNION