Our Lady of Snows Credit Union (EIN 431169293) - 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

1961

Legal Domicile

Principal Officer

Tonya Doherty

Phone

5734983729

Tax Period

2025-01-01 to 2025-12-31

Our Lady of Snows Credit Union, founded in 1961, is a small nonprofit that reported $204K in total revenue in fiscal year 2025. The organization ran a surplus of $43K, a strong 21% operating margin.

Mission

OUR LADY OF THE SNOWS CREDIT UNION IS A VOLUNTARY, COOPERATIVE, NON PROFIT SAVINGS INSTITUTION, INCORPORATED UNDER THE PROVISIONS OF MISSOURI STATUTES, FOR THE PURPOSE OF ENCOURAGING THRIFT AND SAVINGS AMONG ITS MEMBERS, PROVIDING CREDIT AT A FAIR AND RESONABLE RATE OF INTEREST AND INCREASE THE KNOWLEDGE AND ABILITY OF OUR MEMBERS TO MANAGE AND CONTROL THIR FINANCIAL WELL-BEING

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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 (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $140,631

Investment Income $63,211

Other Revenue $0

TOTAL REVENUE $203,842

Expense Breakdown

Grants Paid $0

Salaries & Benefits $62,433

Fundraising Expenses $0

Program Expenses $0

Other Expenses $98,510

TOTAL EXPENSES $160,943

Year-over-Year Comparison

	2025	2024	Change
Revenue	$203,842	$196,105	+0.0%
Expenses	$160,943	$155,536	+0.0%
Net Income	$42,899	$40,569	+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

Total Directors

Key Employees

$48,062

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
TONYA DOHERTY	MANAGER	32	Key Emp Highest	$48,062	$0	$48,062
RUSSELL KEMPKER	BOARD MEMBER	3	Director	$0	$0	$0
LINDSEY EVERS	BOARD MEMBER	3	Director	$0	$0	$0
MONICA BITTLE	SECRETARY/TREASURER	3	Director	$0	$0	$0
ROY RUTLEDGE	CHAIRPERSON	3	Director	$0	$0	$0
JOSEPH ADRIAN	VICE CHAIRPERSON	3	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
2025	$203,842	$160,943	$4,309,845	$42,899
2024	$196,105	$155,536	$4,234,343	$40,569
2023	$190,450	$168,079	$4,632,747	$22,371
2022	$142,430	$108,006	$5,197,293	$34,424
2021	$133,363	$104,376	$4,995,595	$28,987
2020	$136,888	$103,688	$4,535,840	$33,200
2019	$131,579	$102,050	$4,277,233	$29,529
2018	$124,975	$121,192	$4,414,077	$3,783

Our Lady of Snows Credit Union