South Bend Post Office C U (EIN 350670808) - 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

1924

Legal Domicile

Principal Officer

Rex Bulgrien 4 Key emp

Tax Period

2021-01-01 to 2021-12-31

South Bend Post Office C U, founded in 1924, is a small nonprofit that reported $316K in total revenue in fiscal year 2021. Revenue decreased 18% compared to the prior year. The organization ran a surplus of $58K, a strong 18% operating margin.

Mission

Cooperative Financial Institution

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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 (2021)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $133,715

Investment Income $51,230

Other Revenue $131,021

TOTAL REVENUE $315,966

Expense Breakdown

Grants Paid $0

Salaries & Benefits $115,594

Fundraising Expenses $0

Program Expenses $258,424

Other Expenses $142,830

TOTAL EXPENSES $258,424

Year-over-Year Comparison

	2021	2020	Change
Revenue	$315,966	$386,348	-0.2%
Expenses	$258,424	$326,299	-0.2%
Net Income	$57,542	$60,049	0.0%

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

Key Employees

Highest Compensated

reported

Name	Title	Role	Reportable Comp	Other Comp	Total
Susan Battles	Board Member	Director	$0	$0	$0
Tom Youdblis	Supv Committee	Director	$0	$0	$0
Chuck Holmes	Supv Committee	Director	$0	$0	$0
Clarence Myers	Board Member	Director	$0	$0	$0
Karen Derby	Board Member	Director	$0	$0	$0
Hulbert C Colwell IV	Board Member	Director	$0	$0	$0
Mary Zirille	Board Secretary	Officer	$0	$0	$0
John Tarwacki	Board Chair	Officer	$0	$0	$0
Rex Bulgrien	TreasurerManager	Officer Highest	$0	$0	$0
Clarissa Murray-Pozsgai	Board Vice Chair	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
2021	$315,966	$258,424	No data	$57,542
2018	$386,458	$310,967	$8,917,278	$75,491

South Bend Post Office C U