PONTIAC-DWIGHT PRISON EMPLOYEES CR UN (EIN 366062613) - 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

1962

Legal Domicile

Principal Officer

Lynda Johnson

Phone

8158447491

Tax Period

2025-01-01 to 2025-12-31

PONTIAC-DWIGHT PRISON EMPLOYEES CR UN, founded in 1962, is a small nonprofit that reported $161K in total revenue in fiscal year 2020. Expenses of $140K left a modest 13% 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 (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $131,246

Investment Income $187,061

Other Revenue $0

TOTAL REVENUE $318,307

Expense Breakdown

Grants Paid $0

Salaries & Benefits $93,030

Fundraising Expenses $0

Program Expenses $0

Other Expenses $209,758

TOTAL EXPENSES $302,788

Year-over-Year Comparison

	2025	2024	Change
Revenue	$318,307	$287,489	+0.1%
Expenses	$302,788	$273,217	+0.1%
Net Income	$15,519	$14,272	+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

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

$49,800

Total Directors

$56,779

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Lynda Johnson	President/Treas/Exec Comm/Credit Committee	32	Officer Director	$49,800	$0	$49,800
Joan Bull	Membership Committee Chair	7	Director	$6,979	$0	$6,979
Celine Dowling	Vice Chairman of the Board	0.5	Director	$0	$0	$0
Ed Vilt	BoardChairman/Secuirty Officer/Exec Committee	1.5	Director	$0	$0	$0
Shawn Farrar	Exec Committee/Credit Committee	0.5	Director	$0	$0	$0
Lisa Lambert	Supervisory Committee Member	0.5	Director	$0	$0	$0
Mary Beth Duffy	Supervisory Committee	0.5	Director	$0	$0	$0
Brian Mills	Credit Committee Chair	0.5	Director	$0	$0	$0
Beth Ray	Secretary	1.5	Director	$0	$0	$0
Dawn Boitnott	Supervisory Committee Chairman	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
2025	$318,307	$302,788	$7,811,727	$15,519
2024	$287,489	$273,217	$7,429,206	$14,272
2023	$176,703	$165,276	$7,531,723	$11,427
2022	$116,389	$115,403	$8,167,712	$986
2021	$171,396	$152,294	$8,118,403	$19,102
2020	$161,123	$140,110	$7,167,024	$21,013

PONTIAC-DWIGHT PRISON EMPLOYEES CR UN