SNO FALLS CREDIT UNION (EIN 910693631) - 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

1957

Legal Domicile

Principal Officer

TIM WILLIAMS

Phone

4258884004

Tax Period

2023-01-01 to 2023-12-31

SNO FALLS CREDIT UNION, founded in 1957, is a community nonprofit that reported $6.5M in total revenue in fiscal year 2023. Revenue grew 16% year-over-year, indicating healthy expansion. Expenses of $5.9M left a modest 9% surplus.

Mission

ENHANCE THE FINANCIAL WELL-BEING OF OUR 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 (2023)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $4,934,411

Investment Income $1,473,964

Other Revenue $100,480

TOTAL REVENUE $6,508,855

Expense Breakdown

Grants Paid $0

Salaries & Benefits $2,737,964

Fundraising Expenses $0

Other Expenses $3,153,801

TOTAL EXPENSES $5,891,765

Year-over-Year Comparison

	2023	2022	Change
Revenue	$6,508,855	$5,599,032	+0.2%
Expenses	$5,891,765	$5,001,862	+0.2%
Net Income	$617,090	$597,170	+0.0%

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

$1,078,166

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ROB SHOGREN	DIRECTOR	1.00	Director	$0	$0	$0
E STEVE COLLINS	CHAIRMAN	1.50	Officer Director	$0	$0	$0
SHELLY INMAN	VICE CHAIR	1.50	Officer Director	$0	$0	$0
BART KELLY	DIRECTOR, SC CHAIR	1.50	Officer Director	$0	$0	$0
KURT MEISTER	DIRECTOR	1.00	Director	$0	$0	$0
CAROL LAWRENCE	SECRETARY	1.00	Officer Director	$0	$0	$0
MARY BARRETT	DIRECTOR	1.00	Director	$0	$0	$0
TIMOTHY WILLIAMS	CEO	40.00	Officer	$506,440	$83,468	$589,908
ELIZABETH KEATING	CFO	40.00	Officer	$202,896	$46,527	$249,423
ABBIE LANKFORD	CXO	40.00	Officer	$185,140	$53,695	$238,835

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	$6,508,855	$5,891,765	$105,430,812	$617,090
2022	$5,599,032	$5,001,862	$116,102,540	$597,170
2021	$5,263,386	$5,070,317	$113,268,760	$193,069
2020	$5,265,530	$4,757,184	$93,846,270	$508,346
2019	$4,750,406	$4,017,206	$80,648,907	$733,200
2018	$4,351,727	$3,714,138	$71,496,416	$637,589

SNO FALLS CREDIT UNION