CHAMPAIGN POSTAL CREDIT UNION (EIN 370213150) - 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

1931

Legal Domicile

Principal Officer

Bruce Schneier

Phone

2173986086

Tax Period

2018-01-01 to 2018-12-31

CHAMPAIGN POSTAL CREDIT UNION, founded in 1931, is a micro nonprofit that reported $70K in total revenue in fiscal year 2018. Expenses of $94K exceeded revenue, resulting in a 34% operating deficit.

Mission

To encourage and facilitate savings and to provide low cost credit to our members.

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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 (2018)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $60,542

Investment Income $9,840

Other Revenue $0

TOTAL REVENUE $70,382

Expense Breakdown

Grants Paid $0

Salaries & Benefits $28,374

Fundraising Expenses $0

Program Expenses $94,073

Other Expenses $65,699

TOTAL EXPENSES $94,073

Year-over-Year Comparison

	2018	2017	Change
Revenue	$70,382	$68,007	+0.0%
Expenses	$94,073	$102,950	-0.1%
Net Income	$-23,691	$-34,943	-0.3%

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

$18,325

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Robert Bretz Jr	Chairman	0	Officer Director	$0	$0	$0
Douglas Wiggers	Supervisory Committee Chair	0	Director	$0	$0	$0
Richard Wilson	Supervisory Committee	0	Director	$0	$0	$0
Edward Warns	Supervisory Committee	0	Director	$0	$0	$0
Lee Temple	Credit Committee Chair	0	Director	$0	$0	$0
Michael Hicks	Credit Committee	0	Director	$0	$0	$0
Atha Winston	Vice Chairman, Membership Committee Chair	0	Officer Director	$0	$0	$0
John Dodds	Secretary, Credit Committee Member	0	Officer Director	$0	$0	$0
Bruce Schneier	Treasurer, Manager	17	Officer Director Key Emp	$0	$0	$0
Kathleen Burr	Assistant Manager	12	Key Emp	$10,752	$0	$10,752
Teresa Hitt	Teller	13	Key Emp	$7,573	$0	$7,573
Roxanna Keyes	Chairman	0		$0	$0	$0
Bobbie Isaacs	Secretary, Assistant Manager	13		$7,791	$0	$7,791
Gordon Schriefer	Credit Committee Chair	0		$0	$0	$0
Melissa Crutchley	Membership Committee Chair	0		$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
2018	$70,382	$94,073	$2,200,013	$-23,691

CHAMPAIGN POSTAL CREDIT UNION