POSTAL FAMILY CREDIT UNION INC (EIN 310240910) - 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

RUDOLPH RATTMAN JR

Phone

5133818600

Tax Period

2024-01-01 to 2024-12-31

POSTAL FAMILY CREDIT UNION INC, founded in 1928, is a community nonprofit that reported $3.3M in total revenue in fiscal year 2024. The organization ran a surplus of $581K, a strong 18% operating margin.

Mission

TO PROMOTE THRIFT AND TO PROVIDE FINANCIAL SERVICES FOR ITS MEMBERS.

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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 $2,254,897

Investment Income $1,019,035

Other Revenue $0

TOTAL REVENUE $3,273,932

Expense Breakdown

Grants Paid $0

Salaries & Benefits $793,117

Fundraising Expenses $0

Other Expenses $1,899,817

TOTAL EXPENSES $2,692,934

Year-over-Year Comparison

	2024	2023	Change
Revenue	$3,273,932	$3,163,549	+0.0%
Expenses	$2,692,934	$2,141,780	+0.3%
Net Income	$580,998	$1,021,769	-0.4%

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

$310,587

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
THOMAS CROWLEY	CHAIRMAN	0.00	Officer Director	$0	$0	$0
KIM JANSEN	SECRETARY	0.00	Officer Director	$0	$0	$0
CHARLES WILLIS	TREASURER	0.00	Officer Director	$0	$0	$0
MARK MERCER	VICE-CHAIRMAN	0.00	Officer Director	$0	$0	$0
LAUREN DITULLIO	BOARD MEMBER	0.00	Director	$0	$0	$0
SUE EGBERS	BOARD MEMBER	0.00	Director	$0	$0	$0
LANCE WAGNER	BOARD MEMBER	0.00	Director	$0	$0	$0
RUDOLPH J RATTMAN JR	PRESIDENT/CEO	40.00	Officer	$162,303	$0	$162,303
KAREN A BEPLER	VICE-PRESIDENT	40.00	Officer	$84,524	$0	$84,524
CHRISTINE LINDSEY	COMPLIANCE OFFICER	40.00	Officer	$63,760	$0	$63,760

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	$3,273,932	$2,692,934	$63,909,183	$580,998
2023	$3,163,549	$2,141,780	$65,072,430	$1,021,769
2022	$2,443,778	$1,952,809	$66,060,866	$490,969
2021	$2,163,342	$2,019,430	$67,568,091	$143,912
2020	$2,264,394	$2,110,233	$62,710,792	$154,161
2019	$2,627,724	$2,321,220	$58,676,596	$306,504
2018	$2,443,053	$2,138,141	$59,119,229	$304,912

POSTAL FAMILY CREDIT UNION INC