PEORIA BELL CREDIT UNION

EIN: 370459120

PEORIA, IL

Total Revenue
$268,574
Total Expenses
$283,498
Total Assets
$5,945,056
Net Assets
$2,576,220
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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
IL
Principal Officer
KIM REED
Phone
3096928257
Tax Period
2025-01-01 to 2025-12-31

PEORIA BELL CREDIT UNION, founded in 1935, is a small nonprofit that reported $269K in total revenue in fiscal year 2025. Revenue decreased 8% compared to the prior year. Net assets of $2.6M represent 115 months of operating reserves.

Mission

CREDIT UNION OPERATION FOR MUTUAL PURPOSE

Program Service Accomplishments

Program 1

PROVIDED CONSUMER LENDING AND RECEIVED DEPOSITS FROM THE CREDIT UNION MEMBERSHIP. THE CREDIT UNION SERVICES IN EXCESS OF 700 MEMBER SHARE TYPE ACCOUNTS AND IN EXCESS OF 220 LOAN ACCOUNTS.

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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%)

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Financial Overview (2025)

Revenue Breakdown

Contributions & Grants $0
Program Service Revenue $156,495
Investment Income $112,079
Other Revenue $0
TOTAL REVENUE $268,574

Expense Breakdown

Grants Paid $0
Salaries & Benefits $129,292
Fundraising Expenses $0
Other Expenses $154,206
TOTAL EXPENSES $283,498

Year-over-Year Comparison

2025 2024 Change
Revenue $268,574 $292,066 -0.1%
Expenses $283,498 $266,790 +0.1%
Net Income $-14,924 $25,276 -1.6%
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

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Governance

Voting Members
9
Independent Members
8
Employees
2
Volunteers
8

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
1
$70,281
Total Directors
9
$70,281
Key Employees
0
$0
Highest Compensated
0
reported
Name Title Hours/Week Role Reportable Comp Other Comp Total
TONY BENAVIDEZ VICE-CHAIRPERSON 0.50
Director
$0 $0 $0
KIM HAYES SECRETARY 0.50
Director
$0 $0 $0
KAREN ENGELBRECHT DIRECTOR 0.50
Director
$0 $0 $0
JUSTIN HESEK CHAIRPERSON 0.50
Director
$0 $0 $0
NED GARCIA-MATTHEWS DIRECTOR 0.50
Director
$0 $0 $0
RICK LAVENDER DIRECTOR 0.50
Director
$0 $0 $0
ARNETRICE REED DIRECTOR 0.50
Director
$0 $0 $0
KIM REED TREASURER/MANGER 40.00
Officer Director
$61,114 $9,167 $70,281
MICHAEL HAMMER DIRECTOR 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
2025 $268,574 $283,498 $5,945,056 $-14,924
2024 No data No data No data No data
2023 $238,244 $242,629 $6,302,581 $-4,385
2022 $181,634 $218,556 $6,766,175 $-36,922
2021 $272,108 $234,141 $6,803,138 $37,967
2020 $223,198 $233,044 $6,874,197 $-9,846
2019 $262,477 $265,483 $6,866,485 $-3,006
2018 $251,458 $276,849 $7,177,840 $-25,391
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