ST LOUIS NEWSPAPER CARRIERS CREDIT UNION (EIN 436040706) - 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

1946

Legal Domicile

Principal Officer

DENNIS DUMMERTH

Phone

6363435042

Tax Period

2024-01-01 to 2024-12-31

ST LOUIS NEWSPAPER CARRIERS CREDIT UNION, founded in 1946, is a small nonprofit that reported $623K in total revenue in fiscal year 2024. Expenses of $743K exceeded revenue, resulting in a 19% operating deficit.

Mission

PROVIDE SAVINGS AND CREATE A BORROWING SOURCE FOR OUR MEMBERS WITH FAIR INTEREST RATES.

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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 $564,733

Investment Income $58,240

Other Revenue $0

TOTAL REVENUE $622,973

Expense Breakdown

Grants Paid $0

Salaries & Benefits $83,269

Fundraising Expenses $0

Other Expenses $660,054

TOTAL EXPENSES $743,323

Year-over-Year Comparison

	2024	2023	Change
Revenue	$622,973	$629,260	0.0%
Expenses	$743,323	$808,457	-0.1%
Net Income	$-120,350	$-179,197	-0.3%

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

$78,755

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JAMES RAMSEY	PRESIDENT	1.00	Director	$0	$0	$0
JENNIFER RAMSEY	VICE PRESIDENT	1.00	Director	$0	$0	$0
DALE DUMMERTH	SECRETARY	1.00	Director	$0	$0	$0
SALLY MAGUIRE	TREASURER	1.00	Director	$0	$0	$0
DAVID INGENBOHS	DIRECTOR	1.00	Director	$0	$0	$0
FRANK INGENBOHS	DIRECTOR	1.00	Director	$0	$0	$0
CHARLES WILDER	DIRECTOR	1.00	Director	$0	$0	$0
JAMES SCHARIO	DIRECTOR	1.00	Director	$0	$0	$0
JOHN CLARK	DIRECTOR	1.00	Director	$0	$0	$0
DENNIS DUMMERTH	MANAGER	40.00	Officer	$59,068	$19,687	$78,755

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	$622,973	$743,323	$19,447,136	$-120,350
2023	$629,260	$808,457	$21,341,614	$-179,197
2022	$597,454	$672,594	$23,343,632	$-75,140
2021	$554,796	$415,741	$21,903,393	$139,055
2020	$545,981	$453,287	$20,360,425	$92,694
2019	$534,788	$519,504	$18,160,480	$15,284
2018	$504,488	$450,769	$17,226,886	$53,719

ST LOUIS NEWSPAPER CARRIERS CREDIT UNION