GREENSBURG TEACHERS CREDIT UNION (EIN 251121017) - 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

1939

Legal Domicile

Principal Officer

WILLIAM J HURRIANKO

Phone

8663835605

Tax Period

2024-01-01 to 2024-12-31

GREENSBURG TEACHERS CREDIT UNION, founded in 1939, is a small nonprofit that reported $120K in total revenue in fiscal year 2024. Revenue grew 20% year-over-year, indicating healthy expansion. Net assets of $760K represent 76 months of operating reserves.

Mission

TO PROVIDE FORMS OF INVESTMENT AND LOANS TO MUTUAL MEMBERS WHILE MAINTAINING LONG-TERM FINANCIAL 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 (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $57,872

Investment Income $61,168

Other Revenue $492

TOTAL REVENUE $119,532

Expense Breakdown

Grants Paid $0

Salaries & Benefits $69,250

Fundraising Expenses $0

Program Expenses $107,121

Other Expenses $50,016

TOTAL EXPENSES $119,266

Year-over-Year Comparison

	2024	2023	Change
Revenue	$119,532	$99,920	+0.2%
Expenses	$119,266	$125,867	-0.1%
Net Income	$266	$-25,947	-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

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

$64,000

Total Directors

$64,000

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
WILLIAM HURRIANKO	PRESIDENT/CHAIRPERSON	1.00	Director	$0	$0	$0
BRIAN E NYMICK	VICE PRES/VICE CHAIR	1.00	Director	$0	$0	$0
DARRYL J AUDIA JR	TREASURER	40.00	Officer Director	$55,000	$0	$55,000
DAVID L CULLEN	SECRETARY	11.00	Officer Director	$0	$0	$0
MAXINE FORBES	ASST. TREASURER	11.00	Officer Director	$9,000	$0	$9,000

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	No data	No data	No data	No data
2024	$119,532	$119,266	$5,766,781	$266
2023	$99,920	$125,867	$5,909,060	$-25,947
2022	$102,590	$117,755	$6,777,353	$-15,165
2021	$113,566	$115,343	$6,652,644	$-1,777
2020	$143,780	$115,602	$6,326,552	$28,178
2019	$159,934	$126,964	$5,737,790	$32,970
2018	$149,363	$121,766	$5,985,916	$27,597

GREENSBURG TEACHERS CREDIT UNION