NEOSHO SCHOOL EMPLOYEES CREDIT UNION

EIN: 446012902

NEOSHO, MO

Total Revenue
$95,164
Total Expenses
$58,282
Total Assets
$2,068,348
Net Assets
$375,430
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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
1954
Legal Domicile
MO
Principal Officer
DAWN SPEAK
Phone
4174519512
Tax Period
2023-01-01 to 2023-12-31

NEOSHO SCHOOL EMPLOYEES CREDIT UNION, founded in 1954, is a micro nonprofit that reported $95K in total revenue in fiscal year 2023. Revenue surged 32% from the prior year, signaling strong growth momentum. The organization ran a surplus of $37K, a strong 39% operating margin.

Mission

NOT FOR PROFIT CREDIT UNION, INCORPORATED UNDER MISSORUI STATUTES. PURPOSE IS TO ENCOURAGE THRIFT AMONG MEMBERS, BE A SOURCE OF CREDIT AT FAIR & REASONABLE RATES, PROVIDE MUTUAL BENEFITS & GENERAL WELFARE OF MEMBERS WITH EARNINGS, SAVINGS AND SERVICE TO MEMBERS.

Program Service Accomplishments

Program 1
Expenses: $58,282

TO PROVIDE FINANCIAL SERVICES TO LOCAL SCHOOL EMPLOYEES AND DISPERSE BACK TO THE MEMBERS THE MAJORITY OF INCOME PRODUCED BY THIS CREDIT UNION THROUGH DIVIDENDS AS COST EFFECTIVELY AS 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%)

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Financial Overview (2023)

Revenue Breakdown

Contributions & Grants $0
Program Service Revenue $0
Investment Income $95,164
Other Revenue $0
TOTAL REVENUE $95,164

Expense Breakdown

Grants Paid $0
Salaries & Benefits $24,307
Fundraising Expenses $0
Program Expenses $58,282
Other Expenses $26,168
TOTAL EXPENSES $58,282

Year-over-Year Comparison

2023 2022 Change
Revenue $95,164 $72,122 +0.3%
Expenses $58,282 $59,320 0.0%
Net Income $36,882 $12,802 +1.9%
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

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Governance

Voting Members
5
Independent Members
2
Employees
1
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
4
$22,408
Total Directors
11
$22,408
Key Employees
0
$0
Highest Compensated
0
reported
Name Title Hours/Week Role Reportable Comp Other Comp Total
DAWN SPEAK PRESIDENT/TR 25.00
Officer Director
$22,408 $0 $22,408
TERESA BROCKMAN SUPER COMM C 0.00
Director
$0 $0 $0
DAVE BRUMBACK VICE PRESIDE 0.00
Officer Director
$0 $0 $0
HEIDI CLANTON SUPER COMM M 0.00
Director
$0 $0 $0
JACQUE FAULKNER BOARD MEMBER 0.00
Director
$0 $0 $0
BARBARA HAMMETT PRESIDENT/CH 0.00
Officer Director
$0 $0 $0
MADALINE KETCHAM CREDIT COMM 0.00
Director
$0 $0 $0
HEATHER OVERTON CREDIT COMM 0.00
Director
$0 $0 $0
ANGIE PAULLUS SECRETARY 0.00
Officer Director
$0 $0 $0
BARI PITCHER CREDIT COMM 0.00
Director
$0 $0 $0
NANCY RUGH SUPER COMM M 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
2023 $95,164 $58,282 $2,068,348 $36,882
2022 $72,122 $59,320 $2,786,438 $12,802
2021 $49,948 $52,975 $2,769,080 $-3,027
2020 $78,612 $60,627 $2,626,633 $17,985
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