MISSOURI BAPTIST CREDIT UNION (EIN 436049725) - 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

1963

Legal Domicile

Principal Officer

JENIFER SEAVER

Phone

5736354428

Tax Period

2024-01-01 to 2024-12-31

MISSOURI BAPTIST CREDIT UNION, founded in 1963, is a small nonprofit that reported $481K in total revenue in fiscal year 2024. Revenue grew 14% year-over-year, indicating healthy expansion. Expenses of $443K left a modest 8% surplus.

Mission

MISSOURI BAPTIST CREDIT UNION IS A VOLUNTARY, COOPERATIVE, NON-PROFIT SAVINGS INSTITUTION ORGANIZED UNDER MISSOURI STATUTES FOR THE PURPOSE OF ENCOURAGING SAVINGS AMONG MEMBERS, PROVIDING CREDIT AT A FAIR AND REASONABLE RATE AND PROVIDING SOUND FINANCIAL SERVICE THAT IS RESPONSIVE TO ITS MEMBERSHIP.

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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 $447,696

Investment Income $31,618

Other Revenue $1,580

TOTAL REVENUE $480,894

Expense Breakdown

Grants Paid $0

Salaries & Benefits $93,418

Fundraising Expenses $0

Other Expenses $349,685

TOTAL EXPENSES $443,103

Year-over-Year Comparison

	2024	2023	Change
Revenue	$480,894	$422,563	+0.1%
Expenses	$443,103	$375,237	+0.2%
Net Income	$37,791	$47,326	-0.2%

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

$64,073

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
TRICIA ALBERTS	VICE CHAIRMAN	1.00	Director	$0	$0	$0
SHARON ACREE-FAUSTO	TREASURER	1.00	Director	$0	$0	$0
KELLY MEYERS	BOARD MEMBER	1.00	Director	$0	$0	$0
KEN SATTERFIELD	BOARD MEMBER	1.00	Director	$0	$0	$0
GREG LANDWEHR	CHAIRMAN	1.00	Director	$0	$0	$0
DANIELLE SLOCUM	BOARD MEMBER	1.00	Director	$0	$0	$0
MARK DONNELL	BOARD MEMBER	1.00	Director	$0	$0	$0
JENIFER SEAVER	PRESIDENT	40.00	Officer	$60,092	$3,981	$64,073

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	$480,894	$443,103	$9,059,714	$37,791
2023	$422,563	$375,237	$8,983,732	$47,326
2022	$380,310	$347,059	$8,568,231	$33,251
2021	$349,098	$356,207	$9,032,465	$-7,109
2020	$381,374	$473,449	$9,623,561	$-92,075
2019	$428,928	$453,898	$8,681,361	$-24,970
2018	$416,792	$377,030	$8,155,126	$39,762

MISSOURI BAPTIST CREDIT UNION