ARNOLD, MO
4 risk indicators measuring financial stability and operational resilience
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Sign In — Free (10 views/day)ARSENAL CREDIT UNION, founded in 1948, is a mid-sized nonprofit that reported $26.7M in total revenue in fiscal year 2023. Revenue surged 24% from the prior year, signaling strong growth momentum. Expenses of $25.9M left a modest 3% surplus.
TO PROMOTE THRIFT AMONG ITS MEMBERS BY AFFORDING THEM AN OPPORTUNITY FOR ACCUMULATING THEIR SAVINGS; TO CREATE FOR THEM A SOURCE OF CREDIT AT FAIR AND REASONABLE RATES OF INTEREST; TO PROVIDE THE OPPORTUNITY FOR THE MEMBERS TO USE AND CONTROL THEIR MONEY FOR THEIR MUTUAL BENEFIT; TO EDUCATE MEMBERS IN THE PRUDENT USE OF MONEY AND CREDIT; TO OPERATE IN THE SPIRIT OF COOPERATION AND NOT FOR PROFIT; TO IMPROVE THE COMMUNITY IN WHICH IT OPERATES; AND TO PROVIDE OTHER FISCAL AND FINANCIAL SERVICES.
Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency
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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)
Sign In — Free (10 views/day)| 2023 | 2022 | Change | |
|---|---|---|---|
| Revenue | $26,708,236 | $21,467,724 | +0.2% |
| Expenses | $25,882,276 | $17,844,423 | +0.5% |
| Net Income | $825,960 | $3,623,301 | -0.8% |
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
Sign In| Name | Title | Hours/Week | Role | Reportable Comp | Other Comp | Total |
|---|---|---|---|---|---|---|
| GARY DIERKS | CHAIRMAN | 2.00 |
Director
|
$0 | $0 | $0 |
| BOB KILLION | VICE CHAIRMAN | 2.00 |
Director
|
$0 | $0 | $0 |
| JUANITA NOVOTNY | TREASURER | 2.00 |
Director
|
$0 | $0 | $0 |
| KEITH EMERY | SECRETARY | 2.00 |
Director
|
$0 | $0 | $0 |
| ADAM THURAU | DIRECTOR | 2.00 |
Director
|
$0 | $0 | $0 |
| PEGGY HABERBERGER | DIRECTOR | 2.00 |
Director
|
$0 | $0 | $0 |
| EDWARD FITZHENRY | DIRECTOR | 2.00 |
Director
|
$0 | $0 | $0 |
| LINDA ALLEN | PRESIDENT | 40.00 |
Officer
|
$343,036 | $99,450 | $442,486 |
| JEAN CAPRIGLIONE | VP BRANCH OPERATIONS | 40.00 |
Officer
|
$112,248 | $14,343 | $126,591 |
| GREG CLARKE | SVP TECHNOLOGY & RISK MANAGEMENT | 40.00 |
Officer
|
$147,487 | $36,266 | $183,753 |
| LORI CRUTCHLEY | EVP | 40.00 |
Officer
|
$243,953 | $73,131 | $317,084 |
| CASSANDRA HENDRIXSON | SVP FINANCIAL SERVICES DELIVERY | 40.00 |
Officer
|
$185,076 | $32,389 | $217,465 |
| MICHAEL HUDSON | SVP COMMERCIAL LENDING | 40.00 |
Officer
|
$176,452 | $20,360 | $196,812 |
| JESSICA ROYCE | SVP FINANCE & COLLECTIONS | 40.00 |
Officer
|
$160,718 | $47,896 | $208,614 |
| SHANE WECKER | VP CONSUMER LENDING | 40.00 |
Officer
|
$136,620 | $17,706 | $154,326 |
| DANIEL OSORIO | IT MANAGER | 40.00 |
Highest
|
$104,692 | $34,513 | $139,205 |
| ROLAND SPIES | VP COMMERCIAL LENDING | 40.00 |
Highest
|
$126,027 | $7,814 | $133,841 |
| Year | Revenue | Expenses | Assets | Net Income |
|---|---|---|---|---|
| 2024 | No data | No data | No data | No data |
| 2023 | $26,708,236 | $25,882,276 | $397,124,196 | $825,960 |
| 2022 | $21,467,724 | $17,844,423 | $383,430,662 | $3,623,301 |
| 2021 | $18,878,245 | $14,617,620 | $349,876,786 | $4,260,625 |
| 2020 | $16,839,072 | $14,444,276 | $313,669,494 | $2,394,796 |
| 2019 | $15,837,755 | $13,072,233 | $258,490,153 | $2,765,522 |
| 2018 | $13,961,421 | $11,912,465 | $234,369,784 | $2,048,956 |
Compare ARSENAL CREDIT UNION with other nonprofits in Missouri and across the country.