CREDIT UNIONS CHARTERED IN THE STATE OF COLORADO (EIN 840464139) - 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

1943

Legal Domicile

Principal Officer

Marian Tressell

Phone

7197381760

Tax Period

2025-01-01 to 2025-12-31

CREDIT UNIONS CHARTERED IN THE STATE OF COLORADO, founded in 1943, is a small nonprofit that reported $282K in total revenue in fiscal year 2025. Expenses of $321K exceeded revenue, resulting in a 14% operating deficit.

Mission

The St. Mary Credit Union is a member owned, not for profit, financial institution which exists to serve the financial needs of its 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 (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $181,639

Investment Income $99,867

Other Revenue $0

TOTAL REVENUE $281,506

Expense Breakdown

Grants Paid $0

Salaries & Benefits $191,858

Fundraising Expenses $0

Program Expenses $0

Other Expenses $129,092

TOTAL EXPENSES $320,950

Year-over-Year Comparison

	2025	2024	Change
Revenue	$281,506	$262,993	+0.1%
Expenses	$320,950	$321,521	0.0%
Net Income	$-39,444	$-58,528	-0.3%

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
Carol Glorioso	V-President Board of Directors	1.0	Officer Director	$0	$0	$0
Geri Sudar	Treasurer Board of Directors	1	Officer Director	$0	$0	$0
Barbara Menegatti	Secretary Board of Directors	1	Officer Director	$0	$0	$0
Sharon Vezzani	President Board of Directors	1	Officer Director	$0	$0	$0
Toni Brgoch	Member Board of Directors	1	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
2025	$281,506	$320,950	$7,901,967	$-39,444
2024	No data	No data	No data	No data
2023	$247,004	$296,527	$7,488,184	$-49,523
2022	$193,960	$262,514	$9,136,155	$-68,554
2021	$211,948	$234,513	$8,886,369	$-22,565
2020	$255,613	$232,816	$9,501,615	$22,797
2019	$281,071	$241,378	$8,430,285	$39,693

CREDIT UNIONS CHARTERED IN THE STATE OF COLORADO