JOPLIN METRO CREDIT UNION (EIN 446014471) - 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

1950

Legal Domicile

Principal Officer

CHRISTINA MOOREHOUSE

Phone

4176239816

Tax Period

2024-01-01 to 2024-12-31

JOPLIN METRO CREDIT UNION, founded in 1950, is a community nonprofit that reported $4.0M in total revenue in fiscal year 2024. Revenue grew 16% year-over-year, indicating healthy expansion. The organization ran a surplus of $1.2M, a strong 30% 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

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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 (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $3,565,027

Investment Income $416,223

Other Revenue $9,203

TOTAL REVENUE $3,990,453

Expense Breakdown

Grants Paid $2,250

Salaries & Benefits $996,162

Fundraising Expenses $0

Other Expenses $1,813,949

TOTAL EXPENSES $2,812,361

Year-over-Year Comparison

	2024	2023	Change
Revenue	$3,990,453	$3,448,791	+0.2%
Expenses	$2,812,361	$2,220,282	+0.3%
Net Income	$1,178,092	$1,228,509	0.0%

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

$217,185

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
JIM CHRISTIANSEN	TREASURER	1.00	Director	$0	$0	$0
GRETCHEN CALDWELL	SECRETARY	1.00	Director	$0	$0	$0
JOHN HOUSTON	BOARD MEMBER	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
CHRISTINA MOOREHOUSE	PRESIDENT/CEO	50.00	Officer	$117,380	$9,935	$127,315
JENNIFER CROSSLEY	EXECUTIVE VICE PRESIDENT	45.00	Officer	$82,705	$7,165	$89,870

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
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

JOPLIN METRO CREDIT UNION