Trenton, NJ
4 risk indicators measuring financial stability and operational resilience
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Sign In — Free (10 views/day)Postal Employees Credit Union, founded in 1928, is a community nonprofit that reported $1.3M in total revenue in fiscal year 2023. Revenue surged 33% from the prior year, signaling strong growth momentum. Expenses of $1.1M left a modest 12% surplus.
To provide lending, savings and other financial services to its qualifying members at terms generally better than available in the marketplace and with a "service-based emphasis" that recognizes the members' status as "owners".
Dividends and interest paid to members on approximately 4,000 deposit accounts held by approximately 2,000 members.
Direct labor and employee benefit costs incurred providing savings deposit services, originating new loans and servicing the loan portfolio for members.
Data processing costs incurred recording member account activity and providing access to members to their accounts via home banking, ATM networks and in person at the credit union office.
Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency
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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)
Sign In — Free (10 views/day)| 2023 | 2022 | Change | |
|---|---|---|---|
| Revenue | $1,266,720 | $954,366 | +0.3% |
| Expenses | $1,115,765 | $1,023,344 | +0.1% |
| Net Income | $150,955 | $-68,978 | -3.2% |
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
Sign In| Name | Title | Hours/Week | Role | Reportable Comp | Other Comp | Total |
|---|---|---|---|---|---|---|
| Mark Maccaroni | Treasurer | 0.50 |
Director
|
$0 | $0 | $0 |
| Deborah Mobley | Board Member | 0.50 |
Director
|
$0 | $0 | $0 |
| JoAnn Bowen | Chairman of the board | 0.50 |
Director
|
$0 | $0 | $0 |
| Cheryl Hawk | Board member | 0.50 |
Director
|
$0 | $0 | $0 |
| Lisa Norton | Vice Chairman/Secretary | 0.50 |
Director
|
$0 | $0 | $0 |
| Year | Revenue | Expenses | Assets | Net Income |
|---|---|---|---|---|
| 2023 | $1,266,720 | $1,115,765 | $37,252,312 | $150,955 |
| 2022 | $954,366 | $1,023,344 | $38,706,166 | $-68,978 |
| 2021 | $1,114,492 | $953,930 | $41,602,027 | $160,562 |
| 2020 | $980,055 | $1,070,240 | $39,166,320 | $-90,185 |
| 2019 | $1,218,655 | $1,135,763 | $37,191,847 | $82,892 |
| 2018 | $1,182,143 | $1,177,629 | $38,789,552 | $4,514 |
Compare Postal Employees Credit Union with other nonprofits in New Jersey and across the country.