Hazleton School Employees' Credit Union (EIN 246026082) - 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

1948

Legal Domicile

Principal Officer

Susan A John

Phone

5704591611

Tax Period

2023-01-01 to 2023-12-31

Hazleton School Employees' Credit Union, founded in 1948, is a community nonprofit that reported $1.2M in total revenue in fiscal year 2023. Revenue surged 54% from the prior year, signaling strong growth momentum. The organization ran a surplus of $812K, a strong 70% operating margin.

Mission

Provide low interest loans to its members and above average savings rates.

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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 $0

Investment Income $1,154,191

Other Revenue $0

TOTAL REVENUE $1,154,191

Expense Breakdown

Grants Paid $0

Salaries & Benefits $162,182

Fundraising Expenses $0

Program Expenses $0

Other Expenses $176,039

TOTAL EXPENSES $342,218

Year-over-Year Comparison

	2023	2022	Change
Revenue	$1,154,191	$749,747	+0.5%
Expenses	$342,218	$346,807	0.0%
Net Income	$811,973	$402,940	+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

1484

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

$53,190

Total Directors

Key Employees

$105,529

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Susan John	Assistant Treasurer	35	Officer	$41,191	$0	$41,191
Maureen Younger	Loan Officer	35	Key Emp	$32,212	$0	$32,212
Maria Pliska	Key Employee	35	Key Emp	$30,689	$0	$30,689
Donna Pierotti	Key Employee	20	Key Emp	$16,626	$0	$16,626
Lori Herman	Comptroller	15	Key Emp	$12,500	$0	$12,500
Clarence John	treasurer	35	Officer	$11,999	$0	$11,999
Kathleen Manyko	Key Employee	12	Key Emp	$10,474	$0	$10,474
Anita Synoski	Maintenance	1.5	Key Emp	$2,990	$0	$2,990
Deborah Brill	BSA officer	0	Key Emp	$38	$0	$38

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
2024	No data	No data	No data	No data
2023	$1,154,191	$342,218	$35,293,957	$811,973
2022	$749,747	$346,807	$37,939,827	$402,940
2021	$694,753	$463,891	$37,080,893	$230,862
2020	$766,986	$467,276	$33,593,512	$299,710
2019	$891,588	$547,097	$30,300,395	$344,491
2018	$782,552	$478,470	$28,154,408	$304,082

Hazleton School Employees' Credit Union