SALINA MUNICIPAL CREDIT UNION (EIN 486111821) - 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

1947

Legal Domicile

Principal Officer

KATI MILLER

Phone

7858251053

Tax Period

2025-01-01 to 2025-12-31

SALINA MUNICIPAL CREDIT UNION, founded in 1947, is a micro nonprofit that reported $85K in total revenue in fiscal year 2025. Revenue decreased 9% compared to the prior year. Expenses of $147K exceeded revenue, resulting in a 72% operating deficit.

Mission

TO PROVIDE HIGH QUALITY FINANCIAL SERVICES FOR OUR MEMBERS/OWNERS, ENHANCING THEIR FINANCIAL WELL-BEING WHILE MAINTAINING THE FINANCIAL STRENGTH OF THE CREDIT UNION.

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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 $77,462

Investment Income $7,852

Other Revenue $0

TOTAL REVENUE $85,314

Expense Breakdown

Grants Paid $0

Salaries & Benefits $49,511

Fundraising Expenses $0

Other Expenses $97,645

TOTAL EXPENSES $147,156

Year-over-Year Comparison

	2025	2024	Change
Revenue	$85,314	$93,315	-0.1%
Expenses	$147,156	$107,318	+0.4%
Net Income	$-61,842	$-14,003	+3.4%

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

$45,145

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
TERESA WARDYN	VICE CHAIRPERSON	1.00	Director	$0	$0	$0
KIRK CIBOLSKI	CHAIRPERSON	1.00	Director	$0	$0	$0
CINDY DAVIS JENKINS	SECRETARY/TREASURER	1.00	Director	$0	$0	$0
TYLER RATHBUN	DIRECTOR	1.00	Director	$0	$0	$0
MARK TALBOTT	DIRECTOR	1.00	Director	$0	$0	$0
KATI MILLER	MANAGER	34.00	Officer	$45,145	$0	$45,145

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	$85,314	$147,156	$1,356,385	$-61,842
2024	$93,315	$107,318	$1,455,789	$-14,003
2023	$76,984	$87,020	$1,572,254	$-10,036
2022	$57,691	$77,283	$1,641,381	$-19,592
2021	$62,283	$72,117	$1,826,378	$-9,834
2020	$69,562	$69,724	$1,862,138	$-162

SALINA MUNICIPAL CREDIT UNION