INDIANAPOLIS POST OFFICE CREDIT UN (EIN 350413605) - 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

1925

Legal Domicile

Phone

3172621870

Tax Period

2024-01-01 to 2024-12-31

INDIANAPOLIS POST OFFICE CREDIT UN, founded in 1925, is a community nonprofit that reported $1.1M in total revenue in fiscal year 2024. Expenses of $1.3M exceeded revenue, resulting in a 11% operating deficit.

Mission

COOPERATIVE FINANCIAL INSTITUTION TO GOVMNT EMPLOYEES AND THEIR FAMILIES.

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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 $604,602

Investment Income $447,889

Other Revenue $79,375

TOTAL REVENUE $1,131,866

Expense Breakdown

Grants Paid $0

Salaries & Benefits $667,366

Fundraising Expenses $0

Other Expenses $590,012

TOTAL EXPENSES $1,257,378

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,131,866	$1,154,643	0.0%
Expenses	$1,257,378	$1,264,450	0.0%
Net Income	$-125,512	$-109,807	+0.1%

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

N/A

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

$171,893

Total Directors

$72,177

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
N/A	PRESIDENT/CE	60.00	Officer	$171,893	$0	$171,893
N/A	VICE CHAIRMA	N/A	Officer	$0	$0	$0
N/A	SUPRVISORY C	N/A	Director	$0	$0	$0
N/A	SECRETARY	N/A	Officer	$0	$0	$0
N/A	SUPERVISORY	N/A	Director	$0	$0	$0
N/A	BOARD CHAIRM	N/A	Officer	$0	$0	$0
N/A	CHAIR CR COM	N/A	Director	$0	$0	$0
N/A	CR COMM	N/A	Director	$0	$0	$0
N/A	CR COMM	42.00	Director	$72,177	$0	$72,177
N/A	TRUSTEE/DIRE	N/A	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
2024	$1,131,866	$1,257,378	$45,677,728	$-125,512
2023	$1,154,643	$1,264,450	$51,173,040	$-109,807
2022	$1,254,284	$1,229,264	$56,800,790	$25,020
2021	$1,582,230	$1,313,336	$58,220,803	$268,894
2020	$1,343,647	$1,280,752	$57,027,704	$62,895
2019	$1,467,876	$1,498,498	$54,484,792	$-30,622
2018	$1,404,127	$1,390,487	$55,844,727	$13,640

INDIANAPOLIS POST OFFICE CREDIT UN