HOLY GHOST PARISH CREDIT UNION (EIN 420626978) - 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

1935

Legal Domicile

Principal Officer

SANDY PARKER

Phone

5635563863

Tax Period

2025-01-01 to 2025-12-31

HOLY GHOST PARISH CREDIT UNION, founded in 1935, is a community nonprofit that reported $1.3M in total revenue in fiscal year 2025. Net assets of $32.8M represent 301 months of operating reserves.

Mission

CREDIT UNION A SOURCE OF CREDIT AT A FAIR AND REASONABLE RATE OF INTEREST

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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 $46,438

Investment Income $1,260,511

Other Revenue $0

TOTAL REVENUE $1,306,949

Expense Breakdown

Grants Paid $0

Salaries & Benefits $147,713

Fundraising Expenses $0

Other Expenses $1,153,810

TOTAL EXPENSES $1,301,523

Year-over-Year Comparison

	2025	2024	Change
Revenue	$1,306,949	$1,223,244	+0.1%
Expenses	$1,301,523	$1,221,061	+0.1%
Net Income	$5,426	$2,183	+1.5%

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

620

Independent Members

620

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
RICHARD EWERS	CHAIRMAN	020.00	Officer Director	$0	$0	$0
LORAS KLUESSNER	VICE CHAIRMAN	005.00	Officer Director	$0	$0	$0
EUGENE HANSEN	SECRETARY	007.00	Officer Director	$0	$0	$0
STEPHEN C JOHNSON	OFFICER	002.00	Officer Director	$0	$0	$0
JENNIFER L SMITH	OFFICER	002.00	Officer Director	$0	$0	$0
VICKI M BREITBACH	OFFICER	002.00	Officer Director	$0	$0	$0
PAT KUNNERT	OFFICER	002.00	Officer Director	$0	$0	$0
SANDY PARKER	OFFICER	002.00	Officer 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	$1,306,949	$1,301,523	$32,762,412	$5,426
2024	$1,223,244	$1,221,061	$29,593,922	$2,183
2023	$985,165	$984,290	$31,073,018	$875
2022	$473,679	$472,904	$32,740,424	$775
2021	$482,324	$481,101	$34,068,828	$1,223
2020	$677,017	$675,440	$31,866,538	$1,577
2019	$678,930	$678,914	$28,530,272	$16
2018	$569,187	$568,772	$28,128,921	$415

HOLY GHOST PARISH CREDIT UNION