WINSLOW SANTA FE CREDIT UNION (EIN 860183676) - 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

1955

Legal Domicile

Principal Officer

ANTHONY DURAN

Phone

9282892962

Tax Period

2023-01-01 to 2023-12-31

WINSLOW SANTA FE CREDIT UNION, founded in 1955, is a small nonprofit that reported $645K in total revenue in fiscal year 2023. Revenue grew 18% year-over-year, indicating healthy expansion. The organization ran a surplus of $211K, a strong 33% operating margin.

Mission

TO ENCOURAGE THRIFT AMONG CREDIT UNION MEMBERS, CREATE A SOURCE OF CREDIT AT A COMPETITIVE RATE, AND TO PROVIDE AN OPPORTUNITY FOR MEMBERS TO IMPROVER THEIR OVERALL ECONOMIC CONDITION

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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 $570,093

Investment Income $69,420

Other Revenue $5,044

TOTAL REVENUE $644,557

Expense Breakdown

Grants Paid $0

Salaries & Benefits $215,205

Fundraising Expenses $0

Other Expenses $218,414

TOTAL EXPENSES $433,619

Year-over-Year Comparison

	2023	2022	Change
Revenue	$644,557	$547,655	+0.2%
Expenses	$433,619	$374,105	+0.2%
Net Income	$210,938	$173,550	+0.2%

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

Total Directors

Key Employees

$32,526

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MARY SMITH	CHAIRMAN	1.00	Officer Director	$0	$0	$0
MARSHA CHILDERS	VICE CHAIR	1.00	Officer Director	$0	$0	$0
SYLVIA HARTNETT	TREASURER	1.00	Officer Director	$0	$0	$0
MARILEE ERVIAN	SECRETARY	1.00	Officer Director	$0	$0	$0
LINDA McKINNEY	BOARD MEMBER	1.00	Director	$0	$0	$0
STEPHANIE ARMSTRONG	MANAGER/CEO	40.00	Key Emp	$32,526	$0	$32,526

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	No data	No data	No data	No data
2024	No data	No data	No data	No data
2023	$644,557	$433,619	$15,278,266	$210,938
2022	$547,655	$374,105	$16,738,407	$173,550
2021	$422,940	$317,882	$17,219,196	$105,058
2020	$1,514,842	$418,011	$16,534,140	$1,096,831
2019	$533,483	$2,611,834	$14,295,308	$-2,078,351
2018	$484,036	$388,571	$15,378,306	$95,465

WINSLOW SANTA FE CREDIT UNION