DECATUR POSTAL CREDIT UNION (EIN 370712846) - Form 990 Financial Analysis & Trantor Score

🔒

Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

Sign in with your work email to view Tuckman-Chang indicators

Financial Trends

Organization Details

Formation Year

1928

Legal Domicile

Principal Officer

MELISSA WRIGHT

Phone

2174288333

Tax Period

2023-01-01 to 2023-12-31

DECATUR POSTAL CREDIT UNION, founded in 1928, is a small nonprofit that reported $279K in total revenue in fiscal year 2023. Revenue surged 62% from the prior year, signaling strong growth momentum. The organization ran a surplus of $57K, a strong 20% operating margin.

Mission

WE ARE A CREDIT UNION SERVING OUR MEMBERS WITH A PLACE FOR LOANS AND A PLACE TO SAVE THEIR MONEY.

🔒

Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

Sign in to view Trantor Score and financial metrics

Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2023)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $164,270

Investment Income $104,562

Other Revenue $10,000

TOTAL REVENUE $278,832

Expense Breakdown

Grants Paid $0

Salaries & Benefits $75,322

Fundraising Expenses $0

Other Expenses $146,750

TOTAL EXPENSES $222,072

Year-over-Year Comparison

	2023	2022	Change
Revenue	$278,832	$171,922	+0.6%
Expenses	$222,072	$160,110	+0.4%
Net Income	$56,760	$11,812	+3.8%

Key Indicators

✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✗ Schedule B Required

🔒

Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

Sign in to view all financial metrics

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

$43,210

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
BECKY FLANDERS	DIRECTOR	1.00	Director	$0	$0	$0
MELISSA M WRIGHT	MANAGER	30.00	Officer	$43,210	$0	$43,210
JASON LEEVY	SECRETARY	1.00	Director	$0	$0	$0
J MIKE JORDAN	DIRECTOR	1.00	Director	$0	$0	$0
BRUCE HUDDLESTON	DIRECTOR	1.00	Director	$0	$0	$0
JOYCE BEGGS	VICE-CHAIR	1.00	Director	$0	$0	$0
JOHN VANUYTVEN	DIRECTOR	1.00	Director	$0	$0	$0
CHRIS BARTECK	CHAIRMAN	1.00	Director	$0	$0	$0
SAMUEL TRIPPIEDI	DIRECTOR	1.00	Director	$0	$0	$0
DANELL BUCKALLEW	TREASURER	1.00	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	No data	No data	No data	No data
2024	No data	No data	No data	No data
2023	$278,832	$222,072	$6,573,415	$56,760
2022	$171,922	$160,110	$6,897,440	$11,812
2021	$224,604	$163,131	$7,287,162	$61,473
2020	$198,267	$170,291	$7,119,126	$27,976
2019	$252,354	$196,779	$7,257,126	$55,575
2018	$238,161	$219,429	$7,827,351	$18,732

DECATUR POSTAL CREDIT UNION