ST ALPHONSUS MEDICAL CREDIT UNION (EIN 820250766) - 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

1959

Legal Domicile

Principal Officer

KATHY MCCARTY

Phone

2082393028

Tax Period

2020-01-01 to 2020-12-31

ST ALPHONSUS MEDICAL CREDIT UNION, founded in 1959, is a small nonprofit that reported $188K in total revenue in fiscal year 2020. Revenue fell 33% from the prior year — a significant decline worth monitoring. Expenses of $350K exceeded revenue, resulting in a 87% operating deficit.

Mission

TO EXTEND CREDIT TO MEMBERS AS A PRIMARY BUSINESS ACTIVITY AND TO PROVIDE OTHER LOW COST FINANCIAL SERVICES 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 (2020)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $178,227

Investment Income $6,768

Other Revenue $2,600

TOTAL REVENUE $187,595

Expense Breakdown

Grants Paid $0

Salaries & Benefits $98,779

Fundraising Expenses $0

Other Expenses $251,142

TOTAL EXPENSES $349,921

Year-over-Year Comparison

	2020	2019	Change
Revenue	$187,595	$280,958	-0.3%
Expenses	$349,921	$249,813	+0.4%
Net Income	$-162,326	$31,145	-6.2%

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

$65,952

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
KATHY MCCARTY	CEO	40.00	Officer	$65,952	$0	$65,952
NANCY PEDERSON	Director	0.50	Director	$0	$0	$0
SARAH BERGGREN	Vice President	0.50	Officer Director	$0	$0	$0
JULIE PHILLIPS	Secretary	0.50	Officer Director	$0	$0	$0
PATRICK FLYNN	Director	0.50	Director	$0	$0	$0
SUSIE SCHUMACHER	Director	0.50	Director	$0	$0	$0
JOSH LEE	Director	0.50	Director	$0	$0	$0
TONY FISK	Director	0.50	Director	$0	$0	$0
BRIANNA VAN MIEGHEM	President	0.50	Officer Director	$0	$0	$0
NANCEE BAKKEN	Director	0.50	Director	$0	$0	$0
CRAIG JEPPESEN	Controller	40.00	Officer	$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
2020	$187,595	$349,921	No data	$-162,326
2019	$280,958	$249,813	$5,011,056	$31,145
2018	$281,208	$247,854	$5,533,353	$33,354

ST ALPHONSUS MEDICAL CREDIT UNION