THE CLEVELAND POLICE CREDIT UNION … - Form 990 Financial Data

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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

1938

Legal Domicile

Principal Officer

Yolanda Roldan

Phone

2168613535

Tax Period

2025-01-01 to 2025-12-31

THE CLEVELAND POLICE CREDIT UNION INC, founded in 1938, is a community nonprofit that reported $2.6M in total revenue in fiscal year 2025. The organization ran a surplus of $662K, a strong 26% operating margin.

Mission

The purpose of the Cleveland Police Credit Union is to serve the financial needs of our members with personal service, competitive rates, and to provide the best financial services at the most efficient cost while at the same time maintaining a sound financial position.

Program Service Accomplishments

Program 1

Expenses: $1,469,334 Revenue: $2,571,839

The organization is a state chartered member owned cooperative credit union that provides financial services and products to the member owners.

Program 2

Loan Servicing Expense

Program 3

Dividend and Interest paid to 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 (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $1,860,898

Investment Income $710,941

Other Revenue $-11,546

TOTAL REVENUE $2,560,293

Expense Breakdown

Grants Paid $0

Salaries & Benefits $795,998

Fundraising Expenses $0

Program Expenses $1,469,334

Other Expenses $1,102,150

TOTAL EXPENSES $1,898,148

Year-over-Year Comparison

	2025	2024	Change
Revenue	$2,560,293	$2,387,321	+0.1%
Expenses	$1,898,148	$1,867,058	+0.0%
Net Income	$662,145	$520,263	+0.3%

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

Total Directors

$27,459

Key Employees

$439,782

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Yolanda Roldan	Manager	40	Key Emp Highest	$236,990	$30,400	$267,390
Regina Kelley	Assistant Manager	40	Key Emp	$147,192	$25,200	$172,392
Gary Cugini	Secretary / Treasurer	15	Director	$27,459	$0	$27,459
Roy Rich	President	1	Director	$0	$0	$0
Timothy Leahy	Vice President	1	Director	$0	$0	$0
Keith Scharf	Director	1	Director	$0	$0	$0
Thomas McGuire	Director	1	Director	$0	$0	$0
Joseph Chojnowski	Director	1	Director	$0	$0	$0
Daniel Rowley	Director	1	Director	$0	$0	$0
Robert Simon	Director	1	Director	$0	$0	$0
David Swan	Director	1	Director	$0	$0	$0
Brian Betley	Director	1	Director	$0	$0	$0
James O'Malley	Director	1	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	$2,560,293	$1,898,148	$41,312,063	$662,145
2024	No data	No data	No data	No data
2023	$2,170,003	$1,671,844	$41,153,105	$498,159
2022	$1,744,381	$1,617,965	$43,235,629	$126,416
2021	$1,455,052	$1,485,330	$43,824,353	$-30,278
2020	$1,585,977	$1,506,765	$39,608,173	$79,212
2019	$1,742,703	$1,492,865	$33,909,329	$249,838
2018	$1,700,168	$1,518,785	$33,859,471	$181,383

THE CLEVELAND POLICE CREDIT UNION INC