PROCTOR AND GAMBLE STL EMPLOYEES CU (EIN 436036234) - 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

1940

Legal Domicile

Principal Officer

MR TIMOTHY F STEPHENS

Phone

6363437005

Tax Period

2024-01-01 to 2024-12-31

PROCTOR AND GAMBLE STL EMPLOYEES CU, founded in 1940, is a micro nonprofit that reported $45K in total revenue in fiscal year 2024. Revenue fell 25% from the prior year — a significant decline worth monitoring. Expenses of $92K exceeded revenue, resulting in a 105% operating deficit.

Mission

PROVIDE AFFORDABLE FINANCIAL SERVICES TO OUR 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 (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $39,983

Investment Income $4,958

Other Revenue $0

TOTAL REVENUE $44,941

Expense Breakdown

Grants Paid $0

Salaries & Benefits $17,153

Fundraising Expenses $0

Other Expenses $67,590

TOTAL EXPENSES $92,274

Year-over-Year Comparison

	2024	2023	Change
Revenue	$44,941	$59,597	-0.2%
Expenses	$92,274	$51,434	+0.8%
Net Income	$-47,333	$8,163	-6.8%

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

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
BENJAMIN BOUSKA	BOARD VICE C	0.50	Officer Director	$0	$0	$0
MRS BRANDY DAY	BOARD MEMBER	0.50	Director	$0	$0	$0
MR WILLIAM JACKSON	BOARD MEMBER	0.50	Director	$0	$0	$0
MS LADAWN LEE	BOARD SECRET	0.50	Officer Director	$0	$0	$0
THOMAS PLUNK	BOARD MEMBER	0.50	Director	$0	$0	$0
MR JAMIE REYNOLDS	BOARD CHAIRP	0.50	Officer Director	$0	$0	$0
MR MARK VERNIA	BOARD MEMBER	0.50	Director	$0	$0	$0
MR TIMOTHY F STEPHENS	CEO	0.50	Officer	$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	$44,941	$92,274	No data	$-47,333
2023	$59,597	$51,434	$837,076	$8,163
2022	$52,525	$47,036	$926,930	$5,489
2021	$51,090	$41,440	$902,915	$9,650
2020	$47,046	$39,773	$805,666	$7,273

PROCTOR AND GAMBLE STL EMPLOYEES CU