CHICAGO POST OFFICE EMPLOYEES CREDIT UNION (EIN 360903975) - 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

1928

Legal Domicile

Principal Officer

Deborah Fears

Phone

7738812500

Tax Period

2024-01-01 to 2024-12-31

CHICAGO POST OFFICE EMPLOYEES CREDIT UNION, founded in 1928, is a community nonprofit that reported $2.7M in total revenue in fiscal year 2024. Expenses of $2.5M left a modest 7% surplus.

Mission

TO ASSIST OUR MEMBERS IN THE MANAGEMENT OF THEIR FINANCIAL WELL-BEING BY PROVIDING LOANS , SAVINGS ACCOUNTS AND OTHER FINANCIAL INSTITUTION SERVICES IN A FRIENDLY AND PROFESSIONAL MANNER.

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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 $2,302,725

Investment Income $392,090

Other Revenue $0

TOTAL REVENUE $2,694,815

Expense Breakdown

Grants Paid $0

Salaries & Benefits $923,494

Fundraising Expenses $0

Program Expenses $0

Other Expenses $1,580,523

TOTAL EXPENSES $2,504,017

Year-over-Year Comparison

	2024	2023	Change
Revenue	$2,694,815	$2,598,097	+0.0%
Expenses	$2,504,017	$2,281,672	+0.1%
Net Income	$190,798	$316,425	-0.4%

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

$146,860

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DEBORAH WALKER FEARS	PRESIDENT/CEO	50	Officer	$146,860	$0	$146,860
CHARLES E MAY	CHAIRMAN OF THE BOARD	1	Director	$0	$0	$0
BARBARA J SINGLETON	VICE CHAIR OF THE BOARD	1	Director	$0	$0	$0
CAROL COOK	SECRETARY OF THE BOARD	1	Director	$0	$0	$0
MICHELLE JOHNSON	DIRECTOR	1	Director	$0	$0	$0
EDDIE T TODD	DIRECTOR	1	Director	$0	$0	$0
LANEDA R PITTS	DIRECTOR	1	Director	$0	$0	$0
KENNETH ALLEN	TREASURER OF THE BOARD	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
2024	$2,694,815	$2,504,017	$28,058,725	$190,798
2023	$2,598,097	$2,281,672	$28,142,645	$316,425
2022	$2,341,735	$2,122,513	$28,147,449	$219,222
2021	$2,063,503	$1,828,718	$28,563,820	$234,785
2020	$1,827,289	$1,740,925	$24,892,713	$86,364
2019	$2,100,547	$1,786,336	$20,284,592	$314,211
2018	$2,040,852	$1,808,979	$19,538,188	$231,873

CHICAGO POST OFFICE EMPLOYEES CREDIT UNION