ST LOUIS ASSOCIATION OF CREDIT MANAGEMENT (EIN 430493480) - 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

1910

Legal Domicile

Principal Officer

PHILLIP LATTANZIO

Phone

8474836405

Tax Period

2024-04-01 to 2025-03-31

ST LOUIS ASSOCIATION OF CREDIT MANAGEMENT, founded in 1910, is a small nonprofit in the Education sector that reported $126K in total revenue in fiscal year 2024. The organization ran a surplus of $21K, a strong 16% operating margin.

Mission

TO PROVIDE A FORUM TO ITS MEMBERS WITHIN THE CREDIT PROFESSION FOR EDUCATION, NETWORKING AND BUSINESS RESOURCES.

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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 $80,174

Program Service Revenue $46,132

Investment Income $0

Other Revenue $0

TOTAL REVENUE $126,306

Expense Breakdown

Grants Paid $0

Salaries & Benefits $10,454

Fundraising Expenses $0

Program Expenses $84,378

Other Expenses $95,124

TOTAL EXPENSES $105,578

Year-over-Year Comparison

	2024	2023	Change
Revenue	$126,306	$123,593	+0.0%
Expenses	$105,578	$106,365	0.0%
Net Income	$20,728	$17,228	+0.2%

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

N/A

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

$373,426

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
BRENDON MISIK	COUNSELOR	0.50	Director	$0	$0	$0
ZEB MILLER	DIRECTOR	0.50	Director	$0	$0	$0
JACK MAURO	DIRECTOR	0.50	Director	$0	$0	$0
AMY COOK	DIRECTOR	0.50	Director	$0	$0	$0
CAROLINE PERKINS	DIRECTOR	0.50	Director	$0	$0	$0
CURTIS LITCHFIELD	DIRECTOR	0.50	Director	$0	$0	$0
JOSEPH LANGE	DIRECTOR	0.50	Director	$0	$0	$0
ALICJA GORSKI	DIRECTOR	0.50	Director	$0	$0	$0
JORDAN PELOQUIN	DIRECTOR	0.50	Director	$0	$0	$0
KENDRA GERDES	DIRECTOR	0.50	Director	$0	$0	$0
MARTINE DYER	DIRECTOR	0.50	Director	$0	$0	$0
SHELBY COCKCROFT	DIRECTOR	0.50	Director	$0	$0	$0
DEB ROLLMAN	TREASURER	0.50	Officer Director	$0	$0	$0
JEFF WEBER	VICE CHAIR	0.50	Officer Director	$0	$0	$0
BRENT HEIZELMAN	CHAIR	0.50	Officer Director	$0	$0	$0
PHILLIP J LATTANZIO	PRESIDENT	5.00	Officer	$0	$24,402	$227,767
KERRY JENSEN	SECRETARY/CONTROLLER	5.00	Officer	$0	$4,468	$145,659
GREGORY STEINKOENIG	MANAGER OF CREDIT SOLUTIONS	5.00	Highest	$0	$23,212	$167,563
GLORIA SCOTT	CREDIT AND RISK SOLUTIONS CONSULTANT	5.00	Highest	$0	$441	$127,746
LILLIAN NOVAK	CHIEF COMMUNICATIONS OFFICER	5.00	Highest	$0	$2,159	$128,667

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	$126,306	$105,578	$1,045,874	$20,728
2024	$123,593	$106,365	$1,027,499	$17,228
2023	$116,918	$98,219	$1,011,401	$18,699
2022	$108,224	$88,251	$992,336	$19,973
2021	$113,030	$72,160	$974,509	$40,870
2020	$152,325	$107,195	$941,170	$45,130
2019	$154,411	$98,681	$900,857	$55,730
2018	$115,495	$80,278	$830,725	$35,217

ST LOUIS ASSOCIATION OF CREDIT MANAGEMENT