NEOSHO SCHOOL EMPLOYEES CREDIT UNION (EIN 446012902) - 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

1954

Legal Domicile

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.

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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 (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

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

$22,408

Total Directors

$22,408

Key Employees

Highest Compensated

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

NEOSHO SCHOOL EMPLOYEES CREDIT UNION