QUAD CITIES POSTAL CREDIT UNION (EIN 362423566) - 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

1938

Legal Domicile

Principal Officer

Seth Guss-Bell

Phone

3097971414

Tax Period

2022-01-01 to 2022-12-31

QUAD CITIES POSTAL CREDIT UNION, founded in 1938, is a small nonprofit that reported $238K in total revenue in fiscal year 2022. Revenue fell 29% from the prior year — a significant decline worth monitoring. Expenses of $476K exceeded revenue, resulting in a 100% operating deficit.

Mission

Credit Union Member Services to assist our members in the management of their financial well-being by providing loans, savings accounts and other financial institution services in a 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 (2022)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $215,505

Investment Income $22,715

Other Revenue $0

TOTAL REVENUE $238,220

Expense Breakdown

Grants Paid $0

Salaries & Benefits $88,439

Fundraising Expenses $0

Program Expenses $238,070

Other Expenses $387,851

TOTAL EXPENSES $476,290

Year-over-Year Comparison

	2022	2021	Change
Revenue	$238,220	$334,372	-0.3%
Expenses	$476,290	$396,905	+0.2%
Net Income	$-238,070	$-62,533	+2.8%

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

$42,400

Total Directors

$42,400

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Seth Guss-Bell	President	40	Officer Director	$42,400	$0	$42,400
Ronald Stagg	Chairman	1	Director	$0	$0	$0
Jean DePauw	Vice Chairperson/Secretary	1	Director	$0	$0	$0
Brenda Trent	Director	1	Director	$0	$0	$0
Mary Lappe	Director	1	Director	$0	$0	$0
Pamela Green	Director	1	Director	$0	$0	$0
Norman Slaten	Director	1	Director	$0	$0	$0
Pamela Galvin	Director	1	Director	$0	$0	$0
Jenna Happel	Director	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
2022	$238,220	$476,290	$8,213,265	$-238,070
2021	$334,372	$396,905	$8,467,710	$-62,533
2020	$300,499	$347,271	$7,596,496	$-46,772
2019	$327,229	$357,966	$6,825,377	$-30,737
2018	$332,407	$324,791	$6,927,656	$7,616

QUAD CITIES POSTAL CREDIT UNION