DELCO POSTAL CREDIT UNION (EIN 231633653) - 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

1963

Legal Domicile

Principal Officer

RACHAEL MATTIONI

Phone

6107343356

Tax Period

2022-01-01 to 2022-04-30

DELCO POSTAL CREDIT UNION, founded in 1963, is a small nonprofit that reported $192K in total revenue in fiscal year 2022. Revenue fell 77% from the prior year — a significant decline worth monitoring.

Mission

DELCO POSTAL CREDIT UNION IS A MEMBER OWNED ORGANIZATION WHOSE PURPOSE IS TO PROVIDE CONVENIENT, QUALITY PERSONALIZED SERVICE WHILE MAINTAINING FINANCIAL STABILITY. WE SEEK TO PROVIDE ULTIMATE MEMBER SATISFACTION. OPERATING SINCE 1963, DELCO POSTAL CREDIT UNION HAS EXPANDED ITS PRODUCT AND SERVICE OFFERINGS TO INCLUDE MORE THAN JUST EVERYDAY NECESSITIES. WE SEEK TO BE THE BEST CHOICE FOR EVERY FINANCIAL NEED. DELCO POSTAL CREDIT UNION OPENS ITS FIELD OF MEMBERSHIP TO PERSONS EMPLOYED AT DELAWARE COUNTY POST OFFICES, MEMBERS OF THE WOLFE-BARON LODGE AND ALL RELATIVES OF MEMBERS. IT IS OUR MISSION TO BE THE MEMBERS' PRIMARY BANKING INSTITUTION.

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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 (2022)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $121,015

Investment Income $4,358

Other Revenue $66,989

TOTAL REVENUE $192,362

Expense Breakdown

Grants Paid $0

Salaries & Benefits $67,681

Fundraising Expenses $0

Other Expenses $129,010

TOTAL EXPENSES $196,691

Year-over-Year Comparison

	2022	2021	Change
Revenue	$192,362	$825,104	-0.8%
Expenses	$196,691	$707,097	-0.7%
Net Income	$-4,329	$118,007	-1.0%

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

$21,725

Total Directors

$21,725

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DANIEL MILLETT	CEO/VICE CHAIRPERSON	20.00	Officer Director	$9,250	$0	$9,250
GERALD LIBERACE	SECRETARY/TREASURER	20.00	Officer Director	$12,475	$0	$12,475
FRANK ANDREOZZI	CHAIRPERSON	1.00	Officer Director	$0	$0	$0
LAWRENCE DORAN	DIRECTOR	1.00	Director	$0	$0	$0
MICHAEL DEVLIN	DIRECTOR	1.00	Director	$0	$0	$0
JOSEPH DOBBINS	DIRECTOR	1.00	Director	$0	$0	$0
SIMON FLAIM	DIRECTOR	1.00	Director	$0	$0	$0
MICHAEL MILLETT	DIRECTOR	1.00	Director	$0	$0	$0
JAMES WELISCHEK	DIRECTOR	1.00	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
2022	$192,362	$196,691	No data	$-4,329
2021	$825,104	$707,097	$14,777,626	$118,007
2020	$717,535	$664,115	$15,237,528	$53,420
2019	$777,529	$677,279	$15,217,055	$100,250
2018	$774,259	$625,237	$15,902,530	$149,022

DELCO POSTAL CREDIT UNION