DECATUR POLICEMEN CREDIT UNION (EIN 370758317) - 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

1936

Legal Domicile

Phone

2175423524

Tax Period

2024-01-01 to 2024-12-31

DECATUR POLICEMEN CREDIT UNION, founded in 1936, is a small nonprofit that reported $130K in total revenue in fiscal year 2018. Net assets of $582K represent 54 months of operating reserves.

Mission

DECATUR POLICEMEN CREDIT UNION IS A MEMBER-OWNED, NOT-FOR-PROFIT, FINANCIAL COOPERATIVE. THE CONTINUING GOALS ARE TO PROMOTE THRIFT AND TO PROVIDE THE HIGHEST QUALITY, COMPETITIVE SERVICES AND BENEFITS FOR ITS 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 (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $198,225

Investment Income $15,594

Other Revenue $0

TOTAL REVENUE $213,819

Expense Breakdown

Grants Paid $0

Salaries & Benefits $32,127

Fundraising Expenses $0

Other Expenses $160,024

TOTAL EXPENSES $192,151

Year-over-Year Comparison

	2024	2023	Change
Revenue	$213,819	$168,724	+0.3%
Expenses	$192,151	$114,091	+0.7%
Net Income	$21,668	$54,633	-0.6%

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

$29,400

Total Directors

$29,400

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
BRADLEY ALLEN	PRESIDENT/TREASURER	10.00	Officer Director	$15,000	$0	$15,000
JAMES WRIGLEY	ASSISTANT TREASURER	10.00	Officer Director	$12,600	$0	$12,600
STEVEN CHABAK	SECRETARY	10.00	Officer Director	$1,800	$0	$1,800
DOUG ALLEN	CHAIRMAN	1.00	Director	$0	$0	$0
SHANNON SEAL	VICE CHAIRMAN	1.00	Director	$0	$0	$0
JASON WALKER	DIRECTOR	1.00	Director	$0	$0	$0
JAMES CALLAWAY	DIRECTOR	1.00	Director	$0	$0	$0
MALCOLM LIVINGSTON	DIRECTOR	1.00	Director	$0	$0	$0
JASON DANNER	DIRECTOR	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	$213,819	$192,151	$5,198,603	$21,668
2023	$168,724	$145,054	$5,246,385	$23,670
2022	$121,437	$114,091	$6,326,169	$7,346
2021	$145,431	$111,605	$6,238,903	$33,826
2020	$143,782	$120,576	$5,357,592	$23,206
2019	$139,486	$128,088	$5,017,087	$11,398
2018	$129,722	$125,927	$4,812,394	$3,795

DECATUR POLICEMEN CREDIT UNION