MISSOURI CENTRAL CREDIT UNION (EIN 440357634) - 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

1931

Legal Domicile

Principal Officer

JOSHUA WOOLEY

Phone

8162460002

Tax Period

2024-01-01 to 2024-12-31

MISSOURI CENTRAL CREDIT UNION, founded in 1931, is a community nonprofit that reported $4.9M in total revenue in fiscal year 2024. Revenue grew 10% year-over-year, indicating healthy expansion. Expenses of $4.5M left a modest 8% surplus.

Mission

WE STRIVE TO BE THE ONE, THRIVING FINANCIAL INSTITUTION THAT ALWAYS WELCOMES THE OPPORTUNITY TO MEET YOUR NEEDS. TOGETHER WE THRIVE.

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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 $4,535,381

Investment Income $358,758

Other Revenue $11,815

TOTAL REVENUE $4,905,954

Expense Breakdown

Grants Paid $5,000

Salaries & Benefits $1,352,227

Fundraising Expenses $0

Other Expenses $3,143,014

TOTAL EXPENSES $4,500,241

Year-over-Year Comparison

	2024	2023	Change
Revenue	$4,905,954	$4,467,480	+0.1%
Expenses	$4,500,241	$3,863,331	+0.2%
Net Income	$405,713	$604,149	-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

$404,021

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DOMINIQUE BENNET	CHAIRPERSON	1.00	Director	$0	$0	$0
JANE MONROE	VICE CHAIRPERSON	1.00	Director	$0	$0	$0
JOANNE THIES	TREASURER	1.00	Director	$0	$0	$0
SAM VOYLES	BOARD MEMBER	1.00	Director	$0	$0	$0
BRIAN AUSTERMAN	BOARD MEMBER	1.00	Director	$0	$0	$0
MICHAEL PAULSEN	BOARD MEMBER	1.00	Director	$0	$0	$0
JEREMY YOUNG	BOARD MEMBER	1.00	Director	$0	$0	$0
JOSHUA WOOLEY	PRESIDENT	40.00	Officer	$232,575	$23,968	$256,543
TOM LOFTUS	VICE PRESIDENT & COO	40.00	Officer	$0	$0	$0
MATT MONGE	VICE PRESIDENT	40.00	Officer	$131,439	$16,039	$147,478

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	$4,905,954	$4,500,241	$77,544,065	$405,713
2023	$4,467,480	$3,863,331	$76,833,110	$604,149
2022	$3,522,292	$2,989,541	$83,243,525	$532,751
2021	$2,519,944	$2,393,286	$76,920,087	$126,658
2020	$2,620,194	$2,400,204	$70,736,442	$219,990
2019	$2,872,714	$2,521,348	$58,185,589	$351,366
2018	$2,652,766	$2,313,281	$56,886,812	$339,485

MISSOURI CENTRAL CREDIT UNION