MONMOUTH COUNTY POSTAL EMPLOYEES CREDIT UNION (EIN 210649618) - 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

CATHY COSTA

Phone

7322190009

Tax Period

2025-01-01 to 2025-12-31

MONMOUTH COUNTY POSTAL EMPLOYEES CREDIT UNION, founded in 1928, is a small nonprofit that reported $749K in total revenue in fiscal year 2025. Revenue grew 12% year-over-year, indicating healthy expansion. Expenses of $714K left a modest 5% surplus.

Mission

THE CREDIT UNION'S PURPOSE IS TO PROMOTE THRIFT AMONG ITS MEMBERSHIP. THE CREDIT UNION PROVIDES A WIDE RANGE OF FINANCIAL SERVICES IN ORDER TO ASSIST MEMBERS IN ACHIEVING THEIR FINANCIAL GOALS AND STABILITY.

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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 $13,335

Investment Income $735,616

Other Revenue $0

TOTAL REVENUE $748,951

Expense Breakdown

Grants Paid $0

Salaries & Benefits $186,123

Fundraising Expenses $0

Program Expenses $714,343

Other Expenses $528,220

TOTAL EXPENSES $714,343

Year-over-Year Comparison

	2025	2024	Change
Revenue	$748,951	$667,235	+0.1%
Expenses	$714,343	$725,303	0.0%
Net Income	$34,608	$-58,068	-1.6%

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

$99,896

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
EILEEN RUBANO	CHAIRPERSON	2.00	Officer Director	$0	$0	$0
JAMES MAIDA	TREASURER	2.00	Officer Director	$0	$0	$0
JOSEPH DUGAN	VICE CHAIRMAN	2.00	Officer Director	$0	$0	$0
ALAN LINSANGAN	SECRETARY	2.00	Officer Director	$0	$0	$0
PHILLIP COSTA	BOARD OF DIRECTORS	2.00	Director	$0	$0	$0
JONATHAN KOFSKY	BOARD OF DIRECTORS	2.00	Director	$0	$0	$0
KYLENE KRYSCNSKI	BOARD OF DIRECTORS	2.00	Director	$0	$0	$0
CATHERINE COSTA	MANAGER/CEO	40.00	Officer	$94,944	$4,952	$99,896

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	$748,951	$714,343	$21,925,851	$34,608
2024	$667,235	$725,303	$23,556,859	$-58,068
2023	$446,087	$587,198	$23,174,344	$-141,111
2022	$386,220	$455,400	$24,756,673	$-69,180
2021	$587,734	$496,238	$26,263,016	$91,496
2020	$567,446	$585,910	$24,460,814	$-18,464
2019	$711,150	$728,069	$25,059,070	$-16,919
2018	$647,210	$628,260	$26,375,068	$18,950

MONMOUTH COUNTY POSTAL EMPLOYEES CREDIT UNION