PEORIA BELL CREDIT UNION (EIN 370459120) - 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

1935

Legal Domicile

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 $251K in total revenue in fiscal year 2018. Expenses of $277K exceeded revenue, resulting in a 10% operating deficit.

Mission

CREDIT UNION OPERATION FOR MUTUAL PURPOSE

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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 $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

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

$70,281

Total Directors

$70,281

Key Employees

Highest Compensated

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

PEORIA BELL CREDIT UNION