PEOPLES ENERGY CREDIT UNION

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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

1935

Legal Domicile

Principal Officer

Patricia Murphy

Phone

3122404970

Tax Period

2023-01-01 to 2023-12-31

PEOPLES ENERGY CREDIT UNION, founded in 1935, is a small nonprofit that reported $873K in total revenue in fiscal year 2023. Net assets of $5.0M represent 69 months of operating reserves.

Mission

To build and maintain strong long lasting relationships with our members by providing superior service and fiscal security, while delivering financial products at competative rates.

Program Service Accomplishments

Program 1

Provided consumer loans to 669 members.

Program 2

Provided Home Equity Loans to 13 members.

Program 3

Received deposits on savings from 1,893members.

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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 (2023)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $509,548

Investment Income $363,326

Other Revenue $0

TOTAL REVENUE $872,874

Expense Breakdown

Grants Paid $0

Salaries & Benefits $302,056

Fundraising Expenses $0

Program Expenses $0

Other Expenses $546,209

TOTAL EXPENSES $848,265

Year-over-Year Comparison

	2023	2022	Change
Revenue	$872,874	$837,005	+0.0%
Expenses	$848,265	$830,919	+0.0%
Net Income	$24,609	$6,086	+3.0%

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

$190,914

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Patricia Murphy	President	27	Officer	$107,831	$0	$107,831
Emma Shababy	CFO	36	Officer	$83,083	$0	$83,083
Cecilia James	Chairperson	0.50	Director	$0	$0	$0
Laurence Szumski	Vice Chairsperson	0.50	Director	$0	$0	$0
Richard Mosar	Treasurer	0.50	Director	$0	$0	$0
Wayne Wisniewski	Secretary	0.50	Director	$0	$0	$0
Edwin King	Board Member	0.50	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
2023	$872,874	$848,265	$28,937,316	$24,609
2022	$837,005	$830,919	$34,844,700	$6,086
2021	$911,223	$867,043	$37,073,972	$44,180
2020	$1,024,377	$1,004,586	$35,666,990	$19,791
2019	$1,096,375	$1,089,537	$31,928,519	$6,838
2018	$1,043,450	$1,010,664	$33,062,651	$32,786