First Missouri Credit Union (EIN 430492167) - 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

1927

Legal Domicile

Phone

3145445050

Tax Period

2024-01-01 to 2024-12-31

First Missouri Credit Union, founded in 1927, is a community nonprofit that reported $7.5M in total revenue in fiscal year 2024. Revenue grew 10% year-over-year, indicating healthy expansion. Expenses of $7.1M left a modest 5% surplus.

Mission

To encourage thrift and to make loans for remedial and provident purposes

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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 (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $6,963,414

Investment Income $486,446

Other Revenue $76,217

TOTAL REVENUE $7,526,077

Expense Breakdown

Grants Paid $50,000

Salaries & Benefits $2,122,021

Fundraising Expenses $0

Program Expenses $0

Other Expenses $4,953,089

TOTAL EXPENSES $7,125,110

Year-over-Year Comparison

	2024	2023	Change
Revenue	$7,526,077	$6,814,696	+0.1%
Expenses	$7,125,110	$5,931,710	+0.2%
Net Income	$400,967	$882,986	-0.5%

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

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

$375,111

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
KEITH SUELLENTROP	BOARD Vice-Chair	1.0	Officer Director	$0	$0	$0
LYNN BEAUCHAINE	BOARD SECRETARY	1.0	Officer Director	$0	$0	$0
MIKE STEMMLER	BOARD CHAIRMAN	1.0	Officer Director	$0	$0	$0
TOM MARVAL	BOARD Treasurer	1.0	Officer Director	$0	$0	$0
MARY TESSON	DIRECTOR	1.0	Director	$0	$0	$0
PHIL BROWN	DIRECTOR	1.0	Director	$0	$0	$0
STEVE KNEFELKAMP	DIRECTOR	1.0	Director	$0	$0	$0
TOM DIEBOLD	DIRECTOR	1.0	Director	$0	$0	$0
TOM ELDER	DIRECTOR	1.0	Director	$0	$0	$0
JESIE WILDHABER	VICE PRESIDENT OF OPERATIONS	40.0	Officer	$114,353	$12,518	$126,871
Steve Poniewaz	President/CEO	40.0	Officer	$158,469	$29,188	$187,657
WILLIAM ABANATHIE	PT YR ACCOUNTING MANAGER	40.0	Officer	$53,525	$7,058	$60,583
Mark Gregor	Financial Advisor	40.0	Highest	$113,476	$10,836	$124,312
SUSAN RUPP	SR. LOAN OFFICER	40.0	Highest	$105,127	$11,095	$116,222

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	$7,526,077	$7,125,110	$108,851,761	$400,967
2023	$6,814,696	$5,931,710	$112,620,479	$882,986
2022	$5,108,049	$4,291,997	$104,154,478	$816,052
2021	$4,607,228	$3,926,239	$96,883,324	$680,989
2020	$4,557,372	$4,278,032	$86,212,199	$279,340
2019	$4,797,322	$4,236,267	$71,582,481	$561,055

First Missouri Credit Union