STATIONERY CREDIT UNION (EIN 440666118) - 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

1952

Legal Domicile

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.

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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 $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

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

$127,840

Total Directors

$127,840

Key Employees

Highest Compensated

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

STATIONERY CREDIT UNION