Hershey Robinson Employees Credit U (EIN 237265003) - 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

1973

Legal Domicile

Phone

6185620318

Tax Period

2025-01-01 to 2025-12-31

Hershey Robinson Employees Credit U, founded in 1973, is a small nonprofit that reported $164K in total revenue in fiscal year 2025. The organization ran a surplus of $42K, a strong 26% operating margin.

Mission

Assist all members with their financial needs such as share accounts and loans

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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 $134,593

Program Service Revenue $0

Investment Income $29,496

Other Revenue $0

TOTAL REVENUE $164,089

Expense Breakdown

Grants Paid $0

Salaries & Benefits $44,144

Fundraising Expenses $0

Program Expenses $121,645

Other Expenses $43,370

TOTAL EXPENSES $121,645

Year-over-Year Comparison

	2025	2024	Change
Revenue	$164,089	$161,919	+0.0%
Expenses	$121,645	$127,365	0.0%
Net Income	$42,444	$34,554	+0.2%

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

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Glenda Fulling	President	31.00	Director Highest	$0	$0	$0
Scott Chapman	Chairman	0.00	Director	$0	$0	$0
Marth Michl	Secretary	0.00	Director	$0	$0	$0
Ralph Maxwell	Credit Committee	0.00	Director	$0	$0	$0
Freddie Slussar	Director	0.00	Director	$0	$0	$0
Justin Papatonopoulos	Supervisory Committee	0.00	Director	$0	$0	$0
Bruce Higgins	Supervisory Committee	0.00	Director	$0	$0	$0
Brandy Miller	Credit Committee	0.00	Director	$0	$0	$0
Anthony Conner	Membership Committee	0.00	Director	$0	$0	$0
Bill Midgett	Credit Committee	0.00	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
2025	$164,089	$121,645	$3,065,784	$42,444
2024	$161,919	$127,365	$3,028,116	$34,554
2023	$147,950	$115,269	$2,987,033	$32,681
2022	$118,644	$102,542	$3,445,890	$16,102
2021	$123,910	$109,459	$3,171,416	$14,451
2020	$108,926	$108,362	$2,936,854	$564

Hershey Robinson Employees Credit U