STATE POLICE CREDIT UNION INC (EIN 060762028) - 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

1960

Legal Domicile

Principal Officer

JOHN GASIOROWSKI

Phone

2032356957

Tax Period

2024-01-01 to 2024-12-31

STATE POLICE CREDIT UNION INC, founded in 1960, is a community nonprofit that reported $2.2M in total revenue in fiscal year 2024. Revenue grew 10% year-over-year, indicating healthy expansion. Expenses of $1.9M left a modest 14% surplus.

Mission

PROVIDE CREDIT UNION SERVICES.

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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 $1,034,953

Investment Income $1,194,214

Other Revenue $0

TOTAL REVENUE $2,229,167

Expense Breakdown

Grants Paid $0

Salaries & Benefits $714,093

Fundraising Expenses $0

Other Expenses $1,205,257

TOTAL EXPENSES $1,919,350

Year-over-Year Comparison

	2024	2023	Change
Revenue	$2,229,167	$2,026,393	+0.1%
Expenses	$1,919,350	$1,684,931	+0.1%
Net Income	$309,817	$341,462	-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

$285,144

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JOHN KOLOSKY	CHAIRPERSON	1.00	Officer Director	$0	$0	$0
ROBERT GREGA	VICE CHAIRPERSON	1.00	Officer Director	$0	$0	$0
J PAUL VANCE	TREASURER	1.00	Officer Director	$0	$0	$0
CHARLES KELLY	SECRETARY	1.00	Officer Director	$0	$0	$0
DONALD GESCHIMSKY	DIRECTOR	1.00	Director	$0	$0	$0
GEOFFREY ICE	DIRECTOR	1.00	Director	$0	$0	$0
WILLIAM LIEDTKE	DIRECTOR	1.00	Director	$0	$0	$0
PATRICIA LOSO	DIRECTOR	1.00	Director	$0	$0	$0
SAMANTHA MCCORD	DIRECTOR	1.00	Director	$0	$0	$0
THOMAS O'BRIEN	DIRECTOR	1.00	Director	$0	$0	$0
KEVIN PARISI	SUPERVISORY COMMITTEE	1.00	Director	$0	$0	$0
FRANK SCARANO	DIRECTOR	1.00	Director	$0	$0	$0
JOHN GASIOROWSKI	PRESIDENT/CEO	37.50	Officer	$138,550	$54,915	$193,465
BRUNILDA LOPEZ	OPERATIONS SPECIALIST	37.50	Officer	$66,281	$25,398	$91,679

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	$2,229,167	$1,919,350	$77,580,479	$309,817
2023	$2,026,393	$1,684,931	$78,652,561	$341,462
2022	$2,003,273	$1,525,495	$80,987,573	$477,778
2021	$1,720,270	$1,486,663	$76,794,681	$233,607
2020	$1,784,494	$1,540,604	$70,888,384	$243,890
2019	$1,835,185	$1,582,257	$62,644,166	$252,928
2018	$1,746,861	$1,416,531	$61,960,659	$330,330

STATE POLICE CREDIT UNION INC