SOUTHEAST MISSOURI COMMUNITY CREDIT UNION (EIN 430689754) - 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

1951

Legal Domicile

Principal Officer

TRISH GARRETT

Phone

5734313573

Tax Period

2024-01-01 to 2024-12-31

SOUTHEAST MISSOURI COMMUNITY CREDIT UNION, founded in 1951, is a small nonprofit that reported $492K in total revenue in fiscal year 2024. Revenue grew 12% year-over-year, indicating healthy expansion. Expenses of $616K exceeded revenue, resulting in a 25% operating deficit.

Mission

SOUTHEAST MISSOURI COMMUNITY CREDIT UNION IS A NOT-FOR-PROFIT FINANCIAL COOPERATIVE DEDICATED TO SERVING OUR MEMBER OWNERS THROUGH: - PERSONALIZED MEMBER SERVICE - INNOVATIVE PRODUCTS & SERVICES - KNOWLEDGEABLE, SKILLED & EMPOWERED EMPLOYEES - FINANCIAL STRENGTH & STABILITY

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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 $391,959

Investment Income $100,478

Other Revenue $0

TOTAL REVENUE $492,437

Expense Breakdown

Grants Paid $0

Salaries & Benefits $216,249

Fundraising Expenses $0

Other Expenses $399,303

TOTAL EXPENSES $615,552

Year-over-Year Comparison

	2024	2023	Change
Revenue	$492,437	$441,145	+0.1%
Expenses	$615,552	$582,605	+0.1%
Net Income	$-123,115	$-141,460	-0.1%

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

$85,623

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
STELLA KEEN	DIRECTOR	1.00	Director	$0	$0	$0
MARK DOTSON	CHAIRMAN	1.00	Director	$0	$0	$0
STEVE FORSYTHE	SECRETARY	1.00	Director	$0	$0	$0
DONNA GRAHAM	DIRECTOR	1.00	Director	$0	$0	$0
BENJI HOUSE	DIRECTOR	1.00	Director	$0	$0	$0
CYNTHIA BRADDY	DIRECTOR	1.00	Director	$0	$0	$0
EDDIE GROSS	DIRECTOR	1.00	Director	$0	$0	$0
TONYA BEARD	MANAGER	40.00	Officer	$23,944	$5,000	$28,944
TRISHA GARRETT	MANAGER	40.00	Officer	$51,679	$5,000	$56,679

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	$492,437	$615,552	$7,329,346	$-123,115
2023	$441,145	$582,605	$7,255,824	$-141,460
2022	$435,126	$445,003	$7,281,847	$-9,877
2021	$449,904	$382,870	$6,951,314	$67,034
2020	$413,208	$349,595	$6,183,936	$63,613
2019	$393,231	$412,333	$5,642,001	$-19,102
2018	$348,165	$340,133	$5,459,888	$8,032

SOUTHEAST MISSOURI COMMUNITY CREDIT UNION