st louis community credit union

EIN: 430616804

st louis, MO

Total Revenue
$36,719,402
Total Expenses
$34,946,691
Total Assets
$431,782,156
Net Assets
$60,543,388
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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
1942
Legal Domicile
MO
Principal Officer
Megan Downs
Phone
3145347610
Tax Period
2025-01-01 to 2025-12-31

st louis community credit union, founded in 1942, is a mid-sized nonprofit that reported $36.7M in total revenue in fiscal year 2025. Expenses of $34.9M left a modest 5% surplus.

Mission

Voluntary cooperative non-profit credit union providing a source of credit at a fair & reasonable rate of interest earnings savings financial benefits & services to our members and an opportunity to improve their economic & social conditions.

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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%)

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Financial Overview (2025)

Revenue Breakdown

Contributions & Grants $585,000
Program Service Revenue $30,163,015
Investment Income $5,971,387
Other Revenue $0
TOTAL REVENUE $36,719,402

Expense Breakdown

Grants Paid $20,000
Salaries & Benefits $12,183,053
Fundraising Expenses $0
Program Expenses $34,946,691
Other Expenses $22,743,638
TOTAL EXPENSES $34,946,691

Year-over-Year Comparison

2025 2024 Change
Revenue $36,719,402 $36,544,416 +0.0%
Expenses $34,946,691 $34,216,903 +0.0%
Net Income $1,772,711 $2,327,513 -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

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Governance

Voting Members
8
Independent Members
8
Employees
185
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
0
$0
Total Directors
8
$0
Key Employees
0
$0
Highest Compensated
5
reported
Name Title Hours/Week Role Reportable Comp Other Comp Total
Angela Franks director 1.00
Director
$0 $0 $0
Gerald Brooks director 1.00
Director
$0 $0 $0
Timothy Butler director 1.00
Director
$0 $0 $0
Susan Katzman director 1.00
Director
$0 $0 $0
Kamarrah Killion director 1.00
Director
$0 $0 $0
Thomas Sullivan director 1.00
Director
$0 $0 $0
John Windom director 1.00
Director
$0 $0 $0
Steven Wood director 1.00
Director
$0 $0 $0
Kirk Mills Chief Executive Officer 50.00
Highest
$429,623 $0 $429,623
Craig Reno Chief Information Officer 50.00
Highest
$258,989 $0 $258,989
Alex Fennoy Senior Vice President - Business Services 50.00
Highest
$312,283 $0 $312,283
Megan Downs Chief Financial Officer 50.00
Highest
$214,239 $0 $214,239
Patricia Parchmon Chief Operations Officer 50.00
Highest
$185,929 $0 $185,929
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 $36,719,402 $34,946,691 $431,782,156 $1,772,711
2024 No data No data No data No data
2023 $37,293,663 $33,031,274 $397,305,467 $4,262,389
2022 $30,422,713 $27,146,271 $404,141,789 $3,276,442
2021 $27,477,694 $24,000,648 $406,187,684 $3,477,046
2020 $25,445,647 $23,923,213 $356,086,401 $1,522,434
2019 $29,285,158 $26,826,509 $298,371,378 $2,458,649
2018 $28,887,997 $25,310,767 $282,198,946 $3,577,230
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