DEXTER PUBLIC SCHOOLS CREDIT UNION (EIN 436063697) - 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

1966

Legal Domicile

Principal Officer

GINA SNEED

Phone

5736144041

Tax Period

2025-01-01 to 2025-12-31

DEXTER PUBLIC SCHOOLS CREDIT UNION, founded in 1966, is a small nonprofit that reported $257K in total revenue in fiscal year 2025. Revenue grew 12% year-over-year, indicating healthy expansion. Expenses of $223K left a modest 13% surplus.

Mission

TO PROVIDE HIGH QUALITY FINANCIAL SERVICES FOR OUR MEMBERS/OWNERS, ENHANCING THEIR FINANCIAL WELL-BEING WHILE MAINTAINING THE FINANCIAL STRENGTH OF THE CREDIT UNION.

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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 $231,845

Investment Income $25,076

Other Revenue $0

TOTAL REVENUE $256,921

Expense Breakdown

Grants Paid $0

Salaries & Benefits $31,049

Fundraising Expenses $0

Other Expenses $191,475

TOTAL EXPENSES $222,524

Year-over-Year Comparison

	2025	2024	Change
Revenue	$256,921	$229,097	+0.1%
Expenses	$222,524	$224,141	0.0%
Net Income	$34,397	$4,956	+5.9%

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

$28,875

Total Directors

$28,875

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
HERMAN MORSE	PRESIDENT	1.00	Director	$0	$0	$0
JIM HALL	VICE PRESIDENT	1.00	Director	$0	$0	$0
DENNIS JARRELL	SECRETARY	1.00	Director	$0	$0	$0
GAVIN MILLER	DIRECTOR	1.00	Director	$0	$0	$0
GINA SNEED	MANAGER / TREASURER	30.00	Officer Director	$28,875	$0	$28,875

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	$256,921	$222,524	$5,385,642	$34,397
2024	$229,097	$224,141	$5,096,291	$4,956
2023	$216,120	$170,489	$4,987,290	$45,631
2022	$192,161	$129,324	$6,039,008	$62,837
2021	$156,612	$106,409	$5,512,571	$50,203
2020	$146,156	$96,745	$4,999,433	$49,411
2019	$132,685	$125,503	$4,097,370	$7,182
2018	$102,363	$97,396	$3,940,373	$4,967

DEXTER PUBLIC SCHOOLS CREDIT UNION