TOLEDO POSTAL EMPLOYEES CREDIT UNION INC (EIN 344331370) - 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

1932

Legal Domicile

Principal Officer

Steven Grindle

Phone

4192411507

Tax Period

2018-01-01 to 2018-09-30

TOLEDO POSTAL EMPLOYEES CREDIT UNION INC, founded in 1932, is a small nonprofit that reported $121K in total revenue in fiscal year 2018. Revenue fell 23% from the prior year — a significant decline worth monitoring. Expenses of $154K exceeded revenue, resulting in a 27% operating deficit.

Mission

Member-owned, member-driven financial institution that is dedicated to providing personal and convenient service to meet our members' financial needs at competitive rates while maintaining our 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 (2018)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $79,341

Investment Income $41,564

Other Revenue $0

TOTAL REVENUE $120,905

Expense Breakdown

Grants Paid $0

Salaries & Benefits $73,081

Fundraising Expenses $0

Other Expenses $81,015

TOTAL EXPENSES $154,096

Year-over-Year Comparison

	2018	2017	Change
Revenue	$120,905	$157,356	-0.2%
Expenses	$154,096	$166,689	-0.1%
Net Income	$-33,191	$-9,333	+2.6%

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

$42,948

Total Directors

$42,948

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Matthew Studer	CEO/Treasurer	40.00	Officer Director	$42,948	$0	$42,948
Leonard Stovall	Chairperson	1.00	Director	$0	$0	$0
Jenny Gust	Board Secretary	1.00	Director	$0	$0	$0
Dennis McCarthy	Director	1.00	Director	$0	$0	$0
Carlos Pohl	Vice Chairp	1.00	Director	$0	$0	$0
David Beisel	Director	1.00	Director	$0	$0	$0
Lynette Rarick	Director	1.00	Director	$0	$0	$0
Steven Grindle	CEO	1.00	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
2018	$120,905	$154,096	No data	$-33,191

TOLEDO POSTAL EMPLOYEES CREDIT UNION INC