ST JOSEPH TEACHERS' CREDIT UNION (EIN 440419965) - Form 990 Financial Analysis & Trantor Score

🔒

Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

Sign in with your work email to view Tuckman-Chang indicators

Financial Trends

Organization Details

Formation Year

1931

Legal Domicile

Principal Officer

SHELLEY SQUIRES

Phone

8162335544

Tax Period

2025-01-01 to 2025-12-31

ST JOSEPH TEACHERS' CREDIT UNION, founded in 1931, is a small nonprofit that reported $443K in total revenue in fiscal year 2025. Revenue grew 12% year-over-year, indicating healthy expansion. The organization ran a surplus of $87K, a strong 20% operating margin.

Mission

PROVIDER OF FINANCIAL SERVICES FOR MUTUAL PURPOSE

🔒

Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

Sign in to view Trantor Score and financial metrics

Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $241,912

Investment Income $200,680

Other Revenue $0

TOTAL REVENUE $442,592

Expense Breakdown

Grants Paid $0

Salaries & Benefits $178,771

Fundraising Expenses $0

Program Expenses $0

Other Expenses $176,620

TOTAL EXPENSES $355,391

Year-over-Year Comparison

	2025	2024	Change
Revenue	$442,592	$396,089	+0.1%
Expenses	$355,391	$320,328	+0.1%
Net Income	$87,201	$75,761	+0.2%

Key Indicators

✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✗ Schedule B Required

🔒

Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

Sign in to view all financial metrics

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

$61,503

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
SHELLEY SQUIRES	PRESIDENT CEO	40	Key Emp	$61,503	$0	$61,503
MICHAEL HEARD	BOARD cHAIRPERSON	3	Director	$0	$0	$0
GREG DUNLAP	BOARD MEMBER	3	Director	$0	$0	$0
JOYCE SCHUSTER	BOARD SECRETARY	3	Director	$0	$0	$0
JASON STARKS	BOARD MEMBER	3	Director	$0	$0	$0
TERRYCALDWALLADER	BOARD MEMBER	3	Director	$0	$0	$0
ROGER PAYNE	BOARD MEMBER	3	Director	$0	$0	$0
JAMES ELLISON	VICE CHAIRMAIN	3	Director	$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
2025	$442,592	$355,391	$8,746,510	$87,201
2024	No data	No data	No data	No data
2023	$305,484	$281,433	$8,810,963	$24,051
2022	$267,173	$260,472	$9,522,252	$6,701
2021	$259,576	$244,240	$9,686,224	$15,336
2020	$286,900	$247,769	$9,564,666	$39,131
2019	$308,488	$271,752	$8,599,819	$36,736
2018	$289,646	$281,910	$8,099,526	$7,736

ST JOSEPH TEACHERS' CREDIT UNION