ST LOUIS FIREFIGHTERS & COMMUNITY CREDIT UNION (EIN 430497473) - Form 990 Financial Analysis & Trantor Score

🔒

Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

Sign in with your work email to view Tuckman-Chang indicators

Financial Trends

Organization Details

Formation Year

1933

Legal Domicile

Principal Officer

RANDALL BLUE

Phone

3147525444

Tax Period

2023-01-01 to 2023-09-30

ST LOUIS FIREFIGHTERS & COMMUNITY CREDIT UNION, founded in 1933, is a small nonprofit that reported $776K in total revenue in fiscal year 2022. Revenue grew 15% year-over-year, indicating healthy expansion. Expenses of $700K left a modest 10% surplus.

Mission

TO PROVIDE HIGH QUALITY FINANCIAL SERVICES FOR OUR MEMBERS/OWNERS, ENHANCING THEIR FINANCIAL WELL-BEING WHILE MAINTAINING THE FINANCIAL STRENGTH OF THE CREDIT UNION.

🔒

Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

Sign in to view Trantor Score and financial metrics

Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2022)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $367,588

Investment Income $406,665

Other Revenue $1,950

TOTAL REVENUE $776,203

Expense Breakdown

Grants Paid $0

Salaries & Benefits $367,044

Fundraising Expenses $0

Other Expenses $333,005

TOTAL EXPENSES $700,049

Year-over-Year Comparison

	2022	2021	Change
Revenue	$776,203	$674,604	+0.2%
Expenses	$700,049	$701,832	0.0%
Net Income	$76,154	$-27,228	-3.8%

Key Indicators

✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✗ Schedule B Required

🔒

Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

Sign in to view all financial metrics

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

$91,991

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
SANDRA BRAUER	CHAIRWOMAN	1.00	Director	$0	$0	$0
LARRY POWELL	VICE CHAIRMAN	1.00	Director	$0	$0	$0
PAUL BEARDEN	SECRETARY/TREASURER	1.00	Director	$0	$0	$0
LARRY CONLEY	DIRECTOR	1.00	Director	$0	$0	$0
STEVEN KOTRABA	DIRECTOR	1.00	Director	$0	$0	$0
RANDALL BLUE	PRESIDENT	40.00	Officer	$86,147	$5,844	$91,991

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
2023	$776,203	$700,049	No data	$76,154
2022	$674,604	$701,832	$24,085,529	$-27,228
2021	$549,166	$668,780	$24,022,598	$-119,614
2020	$653,497	$672,811	$21,534,173	$-19,314
2019	$771,759	$723,388	$18,996,668	$48,371
2018	$722,245	$682,154	$18,785,199	$40,091

ST LOUIS FIREFIGHTERS & COMMUNITY CREDIT UNION