Springfield Street Railway Employees Credit Union
| Fiscal year | Revenue | Expenses | Net | Reserve mo. | Staff % |
|---|---|---|---|---|---|
| 2020 | 88,844 | 82,924 | 5,920 | 53.3 | 56% |
| 2021 | 80,966 | 87,335 | −6,369 | 49.7 | 53% |
| 2022 | 77,595 | 84,831 | −7,236 | 50.2 | 53% |
| 2023 | 86,903 | 113,102 | −26,199 | 34.8 | 40% |
In its most recent public year (2023), this organization spent $26,199 more than it brought in. Its reserves stood at about 34.8 months of spending, down from 53.3 in 2020. Staff pay was 40% of spending.
Reserve months = net assets ÷ average monthly spending; net assets count everything the organization owns beyond its debts — buildings and donor-restricted funds included, not just cash. Staff pay = salaries, wages, and officer compensation; it excludes benefits and payroll taxes. The IRS releases this data years after the fact — this organization's newest public year is 2023. Years refer to the calendar year in which the organization's fiscal year ended. Short-form filers do not publicly report donor-restricted balances or staffing costs. Source filings
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