SIKESTON PUBLIC SCHOOLS CREDIT UNION (EIN 431327512) - 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

1978

Legal Domicile

Tax Period

2023-01-01 to 2023-12-31

SIKESTON PUBLIC SCHOOLS CREDIT UNION, founded in 1978, is a small nonprofit that reported $196K in total revenue in fiscal year 2023. Revenue surged 27% from the prior year, signaling strong growth momentum. The organization ran a surplus of $30K, a strong 15% operating margin.

Mission

ACCEPTING DEPOSITS FOR SAVINGS & PROVIDING LOANS TO MEMBERS

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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 $138,858

Investment Income $53,852

Other Revenue $3,549

TOTAL REVENUE $196,259

Expense Breakdown

Grants Paid $5,000

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $166,593

Other Expenses $161,593

TOTAL EXPENSES $166,593

Year-over-Year Comparison

	2023	2022	Change
Revenue	$196,259	$154,585	+0.3%
Expenses	$166,593	$149,745	+0.1%
Net Income	$29,666	$4,840	+5.1%

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

N/A

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

$58,140

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Role	Reportable Comp	Other Comp	Total
LINDA BRIDGER	PRESIDENT	Officer	$58,140	$0	$58,140
MELINDA MILLER	BOARD SECRETARY	Director	$0	$0	$0
SHAWN NIX	BOARD VICE-CHAIRMAN	Director	$0	$0	$0
LISA LAWSON	BOARD CHAIRMAN	Director	$0	$0	$0
STEPHEN BEYDLER	BOARD TREASURER	Director	$0	$0	$0
PATRICIA DAVAULT	BOARD MEMBER	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	No data	No data	No data	No data
2023	$196,259	$166,593	$5,107,515	$29,666
2022	$154,585	$149,745	$5,427,894	$4,840
2021	$131,720	$106,480	$5,144,141	$25,240
2020	$135,658	$122,040	$4,780,217	$13,618
2019	$128,251	$103,529	$4,653,555	$24,722
2018	$127,554	$93,210	$4,910,816	$34,344

SIKESTON PUBLIC SCHOOLS CREDIT UNION