STATE POLICE CREDIT UNION

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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

2025-01-01 to 2025-12-31

STATE POLICE CREDIT UNION, founded in 1960, is a community nonprofit that reported $2.5M in total revenue in fiscal year 2025. Revenue grew 12% year-over-year, indicating healthy expansion. The organization ran a surplus of $488K, a strong 20% operating margin.

Mission

AS A TRUSTED PARTNER, STATE POLICE CREDIT UNION IMPROVES MEMBERS' FINANCIAL WELL-BEING THROUGH FINANCIAL SOLUTIONS AND EDUCATION.

Program Service Accomplishments

Program 1

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 (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $1,069,522

Investment Income $1,428,875

Other Revenue $0

TOTAL REVENUE $2,498,397

Expense Breakdown

Grants Paid $0

Salaries & Benefits $700,835

Fundraising Expenses $0

Other Expenses $1,309,741

TOTAL EXPENSES $2,010,576

Year-over-Year Comparison

	2025	2024	Change
Revenue	$2,498,397	$2,229,167	+0.1%
Expenses	$2,010,576	$1,919,350	+0.0%
Net Income	$487,821	$309,817	+0.6%

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

$221,301

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JOHN KOLOWSKY	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
CHRIS BERGER	DIRECTOR	1.00	Director	$0	$0	$0
GEOFFREY ICE	DIRECTOR	1.00	Director	$0	$0	$0
PATRICIA LOSO	DIRECTOR	1.00	Director	$0	$0	$0
JOHN GASIOROWSKI	PRESIDENT / CEO	37.50	Officer	$155,153	$66,148	$221,301

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	$2,498,397	$2,010,576	$81,369,050	$487,821
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