657 UPS Credit Union Inc (EIN 310583276) - 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

1955

Legal Domicile

Principal Officer

Tom Pugh

Phone

5132412892

Tax Period

2023-01-01 to 2023-12-31

657 UPS Credit Union Inc, founded in 1955, is a small nonprofit that reported $205K in total revenue in fiscal year 2023. Revenue decreased 6% compared to the prior year. Expenses of $241K exceeded revenue, resulting in a 18% operating deficit.

Mission

Make good credit loans to members in order to provide income to pay dividends

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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 $193,850

Investment Income $10,654

Other Revenue $0

TOTAL REVENUE $204,504

Expense Breakdown

Grants Paid $0

Salaries & Benefits $114,331

Fundraising Expenses $0

Program Expenses $241,190

Other Expenses $126,859

TOTAL EXPENSES $241,190

Year-over-Year Comparison

	2023	2022	Change
Revenue	$204,504	$216,413	-0.1%
Expenses	$241,190	$191,739	+0.3%
Net Income	$-36,686	$24,674	-2.5%

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
Robert Pugh	President	003.00	Officer	$0	$0	$0
William Roark	Board Member	002.00	Officer	$0	$0	$0
Pat Barker	Secretary	002.00	Officer	$0	$0	$0
Harold Davis	Treasurer	002.00	Officer	$0	$0	$0
Curtis Clements	Board Member	002.00	Officer	$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
2024	No data	No data	No data	No data
2023	$204,504	$241,190	$3,610,117	$-36,686
2022	$216,413	$191,739	$3,957,955	$24,674
2021	$193,089	$194,244	$4,029,949	$-1,155
2020	$190,918	$237,710	$3,855,065	$-46,792
2019	$199,098	$272,694	$3,623,804	$-73,596
2018	$216,281	$312,695	$3,761,109	$-96,414

657 UPS Credit Union Inc