JOPLIN METRO CREDIT UNION

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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

1950

Legal Domicile

Principal Officer

CHRISTINA MOOREHOUSE

Phone

4176239816

Tax Period

2025-01-01 to 2025-12-31

JOPLIN METRO CREDIT UNION, founded in 1950, is a community nonprofit that reported $4.2M in total revenue in fiscal year 2025. The organization ran a surplus of $1.3M, a strong 31% operating margin.

Mission

A MEMBER-OWNED FINANCIAL INSTITUTION WHOSE VOLUNTEERS AND EMPLOYEES ARE DEDICATED TO PROVIDING PERSONAL SERVICES AND QUALITY PRODUCTS AT REASONABLE RATES, WHILE STILL MAINTAINING CREDIT UNION LONG-TERM FINANCIAL STABILITY

Program Service Accomplishments

Program 1

PROVIDES FINANCIAL AND FINANCIALLY RELATED SERVICES TO 5,782 MEMBERS.

Program 2

PROVIDES A SOURCE OF CREDIT TO MEMBERS AT A FAIR AND REASONABLE RATE OF INTEREST. AS OF DECEMBER 31, 2025, LOANS OUTSTANDING TOTALED $40,916,090 INCLUDING LOAN PARTICIPATIONS.

Program 3

PAID DIVIDENDS AND INTEREST ON MEMBER ACCOUNTS TOTALING $251,060 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%)

Financial Overview (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $3,837,785

Investment Income $337,625

Other Revenue $8,055

TOTAL REVENUE $4,183,465

Expense Breakdown

Grants Paid $3,000

Salaries & Benefits $1,109,954

Fundraising Expenses $0

Other Expenses $1,772,408

TOTAL EXPENSES $2,885,362

Year-over-Year Comparison

	2025	2024	Change
Revenue	$4,183,465	$3,990,453	+0.0%
Expenses	$2,885,362	$2,812,361	+0.0%
Net Income	$1,298,103	$1,178,092	+0.1%

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

$240,922

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DENNIS BERRYHILL	CHAIRPERSON	1.00	Director	$0	$0	$0
DAVID SUCKOW	VICE CHAIRPERSON	1.00	Director	$0	$0	$0
GRETCHEN CALDWELL	SECRETARY/TREASURER	1.00	Director	$0	$0	$0
RAYMOND HUGLEY	BOARD MEMBER	1.00	Director	$0	$0	$0
JC MAYFIELD	BOARD MEMBER	1.00	Director	$0	$0	$0
JESSICA STRUCKHOFF	BOARD MEMBER	1.00	Director	$0	$0	$0
DARREN VICE	BOARD MEMBER	1.00	Director	$0	$0	$0
CHRISTINA MOOREHOUSE	PRESIDENT/CEO	50.00	Officer	$134,321	$11,047	$145,368
JENNIFER CROSSLEY	EXECUTIVE VICE PRESIDENT	45.00	Officer	$87,682	$7,872	$95,554

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	$4,183,465	$2,885,362	$55,692,766	$1,298,103
2024	$3,990,453	$2,812,361	$50,204,887	$1,178,092
2023	$3,448,791	$2,220,282	$48,534,914	$1,228,509
2022	$2,760,190	$1,976,732	$49,351,678	$783,458
2021	$2,434,864	$1,786,881	$46,413,033	$647,983
2020	$2,336,351	$1,714,682	$39,918,090	$621,669
2019	$2,410,192	$1,877,480	$32,534,553	$532,712
2018	$2,237,378	$1,882,288	$31,135,737	$355,090