Postal Employees Credit Union (EIN 210539240) - 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

1928

Legal Domicile

Principal Officer

Darryl Belinski

Phone

6095854334

Tax Period

2023-01-01 to 2023-12-31

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.

Mission

The credit union provides financial services to qualified members.

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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 (2023)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $760,941

Investment Income $505,779

Other Revenue $0

TOTAL REVENUE $1,266,720

Expense Breakdown

Grants Paid $0

Salaries & Benefits $278,767

Fundraising Expenses $0

Program Expenses $0

Other Expenses $591,779

TOTAL EXPENSES $1,115,765

Year-over-Year Comparison

	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%

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

Total Directors

Key Employees

Highest Compensated

reported

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

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
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

Postal Employees Credit Union