PEORIA POSTAL EMPLOYEES CREDIT UNION (EIN 370460215) - 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

1928

Legal Domicile

Principal Officer

Stephen B Rowe

Phone

3096738832

Tax Period

2025-01-01 to 2025-12-31

PEORIA POSTAL EMPLOYEES CREDIT UNION, founded in 1928, is a small nonprofit that reported $782K in total revenue in fiscal year 2025. Revenue grew 16% year-over-year, indicating healthy expansion. Expenses of $691K left a modest 12% 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 $481,524

Investment Income $300,083

Other Revenue $0

TOTAL REVENUE $781,607

Expense Breakdown

Grants Paid $0

Salaries & Benefits $252,786

Fundraising Expenses $0

Program Expenses $0

Other Expenses $438,398

TOTAL EXPENSES $691,184

Year-over-Year Comparison

	2025	2024	Change
Revenue	$781,607	$673,849	+0.2%
Expenses	$691,184	$636,329	+0.1%
Net Income	$90,423	$37,520	+1.4%

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

$115,752

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Stephen B Rowe	President	45.00	Officer	$110,240	$5,512	$115,752
Stephanie K Ahl	Chairman	1.00	Director	$0	$0	$0
Dorothy A Belford	Vice-Chairman	0.50	Director	$0	$0	$0
Christina M Trueblood	Secretary/Treasurer	2.00	Director	$0	$0	$0
Michelle M Beebe	Director	0.50	Director	$0	$0	$0
Carl A Berry	Director	0.50	Director	$0	$0	$0
Michael A Dailey	Director	0.50	Director	$0	$0	$0
Angela D Herron	Director	0.50	Director	$0	$0	$0
Karen A Leitner	Director	0.50	Director	$0	$0	$0
Leland M Sanders	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	$781,607	$691,184	$13,557,614	$90,423
2024	$673,849	$636,329	$12,796,281	$37,520
2023	$542,593	$539,750	$12,340,100	$2,843
2022	$522,900	$495,110	$13,047,483	$27,790
2021	$434,452	$425,857	$12,246,645	$8,595
2020	$494,218	$471,708	$11,637,984	$22,510
2019	$522,171	$490,210	$10,639,498	$31,961
2018	$483,711	$420,224	$10,464,685	$63,487

PEORIA POSTAL EMPLOYEES CREDIT UNION