SHOW ME CREDIT UNION (EIN 430766058) - 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

1954

Legal Domicile

Principal Officer

KENT GROVES

Phone

5735816978

Tax Period

2023-01-01 to 2023-12-31

SHOW ME CREDIT UNION, founded in 1954, is a community nonprofit that reported $1.9M in total revenue in fiscal year 2023. Revenue surged 29% from the prior year, signaling strong growth momentum. The organization ran a surplus of $394K, a strong 21% operating margin.

Mission

SHOW ME CREDIT UNION IS A MEMBER-OWNED INSTITUTION THAT OFFERS COMPETITIVE FINANCIAL SERVICES FOR ITS MEMBERS WITH A COMMITMENT TOWARD THE BETTERMENT OF THE COMMUNITY.

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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 (2023)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $1,447,072

Investment Income $414,763

Other Revenue $3,930

TOTAL REVENUE $1,865,765

Expense Breakdown

Grants Paid $4,812

Salaries & Benefits $656,770

Fundraising Expenses $0

Other Expenses $803,632

TOTAL EXPENSES $1,471,658

Year-over-Year Comparison

	2023	2022	Change
Revenue	$1,865,765	$1,444,529	+0.3%
Expenses	$1,471,658	$1,278,994	+0.2%
Net Income	$394,107	$165,535	+1.4%

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

$110,821

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ANDREW BAKER	CHAIRMAN	1.00	Director	$0	$0	$0
FORREST DALE CONE	VICE CHAIRMAN	1.00	Director	$0	$0	$0
MARJORIE MOTLEY	SECRETARY	1.00	Director	$0	$0	$0
ROBERT COX	TREASURER	1.00	Director	$0	$0	$0
LORI RAY	BOARD MEMBER	1.00	Director	$0	$0	$0
PENNY DAUGHERTY	BOARD MEMBER	1.00	Director	$0	$0	$0
JENNIFER SILVER	BOARD MEMBER	1.00	Director	$0	$0	$0
KENT GROVES	PRESIDENT/CEO	45.00	Officer	$96,096	$14,725	$110,821

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	No data	No data	No data	No data
2023	$1,865,765	$1,471,658	$34,457,613	$394,107
2022	$1,444,529	$1,278,994	$36,695,013	$165,535
2021	$1,398,683	$1,236,161	$35,441,634	$162,522
2020	$1,484,829	$1,330,125	$31,102,188	$154,704
2019	$1,524,821	$1,378,797	$26,857,796	$146,024
2018	$1,425,547	$1,303,865	$26,809,777	$121,682

SHOW ME CREDIT UNION