NEW HAMPSHIRE POSTAL CREDIT UNION (EIN 020219109) - 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

1940

Legal Domicile

Principal Officer

PHILIP FONTAINE JR

Phone

6036259032

Tax Period

2024-01-01 to 2024-12-31

NEW HAMPSHIRE POSTAL CREDIT UNION, founded in 1940, is a community nonprofit that reported $3.4M in total revenue in fiscal year 2024. Revenue grew 16% year-over-year, indicating healthy expansion. The organization ran a surplus of $1.5M, a strong 43% operating margin.

Mission

TO PROVIDE MEMBERS WITH AFFORDABLE LENDING OPTIONS AND ADVANTAGEOUS SAVINGS RATES WHILE PROVIDING THE BEST SERVICE POSSIBLE.

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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 (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $1,263,165

Investment Income $2,109,087

Other Revenue $0

TOTAL REVENUE $3,372,252

Expense Breakdown

Grants Paid $0

Salaries & Benefits $606,481

Fundraising Expenses $0

Program Expenses $1,918,741

Other Expenses $1,312,260

TOTAL EXPENSES $1,918,741

Year-over-Year Comparison

	2024	2023	Change
Revenue	$3,372,252	$2,919,431	+0.2%
Expenses	$1,918,741	$1,620,489	+0.2%
Net Income	$1,453,511	$1,298,942	+0.1%

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

N/A

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

$122,887

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
SALLY SUTTON	CHAIRPERSON	2.00	Director	$0	$0	$0
JOANNE LEVESQUE	VICE CHAIR	2.00	Director	$0	$0	$0
MARIE MACRIGEANIS	2ND VICE CHAIR	2.00	Director	$0	$0	$0
CAROL HOULE	SECRETARY	2.00	Director	$0	$0	$0
PHILLIP DOUGHTIE	TREASURER	2.00	Director	$0	$0	$0
PHILIP FONTAINE JR	PRESIDENT/CEO	40.00	Officer	$105,346	$17,541	$122,887

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	$3,372,252	$1,918,741	$61,050,497	$1,453,511
2023	$2,919,431	$1,620,489	$58,488,005	$1,298,942
2022	$1,391,502	$1,095,525	$58,918,137	$295,977
2021	$1,103,748	$912,783	$56,507,236	$190,965
2020	$1,303,872	$1,026,285	$51,800,691	$277,587
2019	$1,644,459	$1,248,705	$45,637,899	$395,754
2018	$1,541,658	$1,274,432	$45,923,795	$267,226

NEW HAMPSHIRE POSTAL CREDIT UNION