SOUTH CENTRAL MISSOURI CREDIT UNION (EIN 446015269) - 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

AMY WALKER

Phone

4174696223

Tax Period

2023-01-01 to 2023-12-31

SOUTH CENTRAL MISSOURI CREDIT UNION, founded in 1954, is a small nonprofit that reported $133K in total revenue in fiscal year 2023. Revenue fell 44% from the prior year — a significant decline worth monitoring. Expenses of $265K exceeded revenue, resulting in a 99% operating deficit.

Mission

TO PROVIDE QUALITY FINANCIAL SERVICES TO MEMBERS WHO SHARE OUR COMMON BOND AND EXIST FOR THE FINANCIAL BENEFIT OF THE 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 $209,176

Investment Income $-75,856

Other Revenue $0

TOTAL REVENUE $133,320

Expense Breakdown

Grants Paid $0

Salaries & Benefits $82,038

Fundraising Expenses $0

Other Expenses $183,416

TOTAL EXPENSES $265,454

Year-over-Year Comparison

	2023	2022	Change
Revenue	$133,320	$240,054	-0.4%
Expenses	$265,454	$254,726	+0.0%
Net Income	$-132,134	$-14,672	+8.0%

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

$36,141

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
AMY WALKER	MANAGER	40.00	Officer	$36,141	$0	$36,141
RICHARD ELIJAH	CHAIR	1.00	Officer Director	$0	$0	$0
JOSH KENYON	VICE-CHAIR	1.00	Officer Director	$0	$0	$0
ROB RAKESTRAW	SECRETARY/TR	1.00	Officer Director	$0	$0	$0
WILLIAM EASLEY	BOARD MEMBER	1.00	Director	$0	$0	$0
MICHELE MYERS	BOARD MEMBER	1.00	Director	$0	$0	$0
ROGER HILLHOUSE	BOARD MEMBER	1.00	Director	$0	$0	$0
DUSTIN COOPER	BOARD MEMBER	1.00	Director	$0	$0	$0
LALAH GREGORY RESIGNED 0601	FORMER CHAIR	1.00	Director	$0	$0	$0
CURTIS DOWDEN RESIGNED 0601	FORMER VICE-	1.00	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
2024	No data	No data	No data	No data
2023	$133,320	$265,454	$9,842,394	$-132,134
2022	$240,054	$254,726	$11,949,835	$-14,672
2021	$244,833	$234,969	$11,796,435	$9,864
2020	$257,875	$280,330	$11,468,646	$-22,455
2019	$290,776	$262,947	$10,831,153	$27,829
2018	$307,688	$252,646	$12,186,661	$55,042

SOUTH CENTRAL MISSOURI CREDIT UNION