ST JOE VALLEY CREDIT UNION (EIN 826027648) - 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

Gloria Rauch

Phone

2082454231

Tax Period

2023-01-01 to 2023-12-31

ST JOE VALLEY CREDIT UNION, founded in 1959, is a small nonprofit that reported $566K in total revenue in fiscal year 2023. The organization ran a surplus of $142K, a strong 25% operating margin.

Mission

Promoting thrift among its members by giving them the opportunity for accumulating their savings, and providing them a source of affordable credit and financial services for productive purposes.

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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 $418,560

Investment Income $146,970

Other Revenue $0

TOTAL REVENUE $565,530

Expense Breakdown

Grants Paid $0

Salaries & Benefits $194,781

Fundraising Expenses $0

Program Expenses $423,558

Other Expenses $228,777

TOTAL EXPENSES $423,558

Year-over-Year Comparison

	2023	2022	Change
Revenue	$565,530	N/A	N/A
Expenses	$423,558	$326,714	+0.3%
Net Income	$141,972	$-326,714	-1.4%

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Gloria Rauch	CEO/Manager	44	Highest	$68,400	$0	$68,400
Dale Hill	President of the Board	0.50	Director	$0	$0	$0
Teresa Jeffrey	Secretary	1.0	Director	$0	$0	$0
Dale Baerlocher	Treasurer	1	Director	$0	$0	$0
Roger Nelson	Vice-President	0.50	Director	$0	$0	$0
Beth Nelson	Director	0.50	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	$565,530	$423,558	$12,766,903	$141,972
2023	No data	$423,558	$12,766,903	No data
2022	No data	$326,714	$14,697,543	No data
2021	$330,957	$251,258	$12,693,151	$79,699
2021	No data	$251,258	$12,693,151	No data
2020	$358,353	$238,672	$11,463,266	$119,681
2019	$360,561	$259,985	$9,041,865	$100,576
2018	$324,819	$253,230	$8,626,304	$71,589

ST JOE VALLEY CREDIT UNION