STATIONERY CREDIT UNION

EIN: 440666118

ST JOSEPH, MO

Total Revenue
$961,882
Total Expenses
$828,956
Total Assets
$16,609,417
Net Assets
$2,346,084
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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
1952
Legal Domicile
MO
Principal Officer
MARTI NURSKI
Phone
8162797804
Tax Period
2025-01-01 to 2025-12-31

STATIONERY CREDIT UNION, founded in 1952, is a small nonprofit that reported $962K in total revenue in fiscal year 2025. Expenses of $829K left a modest 14% surplus.

Mission

TO BECOME THE PRIMARY FINANCIAL INSTITUTION FOR ITS MEMBERS; PROVIDING DEPENDABLE, AFFORDABLE, PROMPT, COURTEOUS AND CONFIDENTIAL SERVICES. TO ENDEAVOR TO MEET CURRENT AND FUTURE NEEDS FOR THE MEMBERS BY MAINTAINING LOW COSTS WHILE PROVIDING THE BEST SERVICE POSSIBLE.

Program Service Accomplishments

Program 1

PROVIDES FINANCIAL AND FINANCIALLY RELATED SERVICES TO 1,989 MEMBERS.

Program 2

PROVIDES A SOURCE OF CREDIT TO MEMBERS AT A FAIR AND REASONABLE RATE OF INTEREST. AS OF DECEMBER 31, 2025, THERE WERE 2,203 LOANS OUTSTANDING TOTALING $5,337,386.74.

Program 3

PAID DIVIDENDS AND INTEREST ON MEMBER DEPOSITS TOTALING $30,467.64 FOR THE YEAR.

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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%)

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Financial Overview (2025)

Revenue Breakdown

Contributions & Grants $0
Program Service Revenue $538,662
Investment Income $419,551
Other Revenue $3,669
TOTAL REVENUE $961,882

Expense Breakdown

Grants Paid $0
Salaries & Benefits $419,084
Fundraising Expenses $0
Other Expenses $409,872
TOTAL EXPENSES $828,956

Year-over-Year Comparison

2025 2024 Change
Revenue $961,882 $938,024 +0.0%
Expenses $828,956 $698,612 +0.2%
Net Income $132,926 $239,412 -0.4%
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

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Governance

Voting Members
7
Independent Members
7
Employees
5
Volunteers
10

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
1
$127,840
Total Directors
7
$127,840
Key Employees
0
$0
Highest Compensated
0
reported
Name Title Hours/Week Role Reportable Comp Other Comp Total
MARTI NURSKI PRESIDENT / BOARD TREASURE 40.00
Officer Director
$95,312 $32,528 $127,840
JOHN HART CHAIRPERSON 2.00
Director
$0 $0 $0
STEPHEN BIGHAM VICE CHAIRPERSON 2.00
Director
$0 $0 $0
MELISSA PALMER BOARD MEMBER 2.00
Director
$0 $0 $0
JANESSA MCPIKE BOARD MEMBER 0.00
Director
$0 $0 $0
GERALD KRETZER BOARD MEMBER 0.00
Director
$0 $0 $0
JODI WILLIAMS BOARD MEMBER 0.00
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 $961,882 $828,956 $16,609,417 $132,926
2024 $938,024 $698,612 $17,516,723 $239,412
2023 $811,473 $648,950 $16,488,587 $162,523
2022 $561,576 $604,066 $16,556,847 $-42,490
2021 $499,262 $557,859 $17,564,454 $-58,597
2020 $604,502 $593,750 $16,744,126 $10,752
2019 $668,058 $578,217 $14,200,775 $89,841
2018 $642,798 $584,086 $13,576,351 $58,712
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