DE SOTO MO PAC CREDIT UNION (EIN 430722166) - 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

1939

Legal Domicile

Principal Officer

MELISSA THEBEAU

Phone

6365869922

Tax Period

2024-01-01 to 2024-12-31

DE SOTO MO PAC CREDIT UNION, founded in 1939, is a community nonprofit that reported $1.2M in total revenue in fiscal year 2024. Revenue grew 10% year-over-year, indicating healthy expansion. Expenses of $1.1M left a modest 13% surplus.

Mission

NON-PROFIT CREDIT UNION FORMED TO ENCOURAGE THRIFT AMONG ITS MEMBERS. WE CREATE A SOURCE OF CREDIT AT A FAIR AND REASONABLE RATE OF INTEREST AND PROVIDE OUR MEMBERS WITH EARNINGS, SAVINGS, BENEFITS AND SERVICES.

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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 $1,218,315

Investment Income $0

Other Revenue $0

TOTAL REVENUE $1,218,315

Expense Breakdown

Grants Paid $0

Salaries & Benefits $299,210

Fundraising Expenses $0

Program Expenses $1,056,508

Other Expenses $757,298

TOTAL EXPENSES $1,056,508

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,218,315	$1,102,950	+0.1%
Expenses	$1,056,508	$968,123	+0.1%
Net Income	$161,807	$134,827	+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

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

$78,070

Total Directors

$78,070

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MELISSA THEBEAU	SEC./TREAS./	40.00	Officer Director	$78,070	$0	$78,070
JOHN BENSON	MEMBER	0.50	Director	$0	$0	$0
ANDREW DAUGHERTY	MEMBER	1.00	Director	$0	$0	$0
ROGER MARLER	MEMBER	1.00	Director	$0	$0	$0
MICHAEL O'SHEA	MEMBER	0.50	Director	$0	$0	$0
RICHARD PICA	CHAIR	1.00	Officer Director	$0	$0	$0
ALAN POLITTE	MEMBER	1.00	Director	$0	$0	$0
WILLIAM PORTELL	MEMBER	1.00	Director	$0	$0	$0
NICHOLAUS PROVINCE	MEMBER	0.50	Director	$0	$0	$0
STEVEN RANDALL	MEMBER	0.50	Director	$0	$0	$0
JOHN ROGERS	VICE-CHAIR	1.00	Officer Director	$0	$0	$0
LAMBERT THEBEAU	MEMBER	1.00	Director	$0	$0	$0

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	$1,218,315	$1,056,508	$23,428,551	$161,807
2023	$1,102,950	$968,123	$20,706,044	$134,827
2022	$919,541	$698,750	$21,578,212	$220,791
2021	$804,617	$666,637	$21,956,500	$137,980
2020	$837,008	$727,742	$19,954,911	$109,266
2019	$878,885	$700,596	$17,224,894	$178,289
2018	$797,798	$660,533	$16,384,235	$137,265

DE SOTO MO PAC CREDIT UNION