PEORIA CITY EMPLOYEES CREDIT UNION (EIN 370767119) - 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

1955

Legal Domicile

Principal Officer

KIM FURNESS

Phone

3094948790

Tax Period

2025-01-01 to 2025-12-31

PEORIA CITY EMPLOYEES CREDIT UNION, founded in 1955, is a small nonprofit that reported $331K in total revenue in fiscal year 2025. The organization ran a surplus of $99K, a strong 30% operating margin.

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 $232,226

Investment Income $97,396

Other Revenue $1,451

TOTAL REVENUE $331,073

Expense Breakdown

Grants Paid $0

Salaries & Benefits $78,774

Fundraising Expenses $0

Other Expenses $153,381

TOTAL EXPENSES $232,155

Year-over-Year Comparison

	2025	2024	Change
Revenue	$331,073	$327,728	+0.0%
Expenses	$232,155	$194,256	+0.2%
Net Income	$98,918	$133,472	-0.3%

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

$45,080

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JULIE GEBHARDS	DIRECTOR	1.00	Director	$0	$0	$0
BRIAN JOHNSON	DIRECTOR	1.00	Director	$0	$0	$0
KAYLA CASEY	DIRECTOR	1.00	Director	$0	$0	$0
SIE MAROON	DIRECTOR	1.00	Director	$0	$0	$0
RHONDA MORROW	DIRECTOR	1.00	Director	$0	$0	$0
PAUL PETERSON	DIRECTOR	1.00	Director	$0	$0	$0
MIKE KING	PRESIDENT	1.00	Director	$0	$0	$0
MELISSA BUHL	SECRETARY	1.00	Director	$0	$0	$0
RICHARD LINTHICUM	VICE-PRESIDENT	1.00	Director	$0	$0	$0
CHRIS SWITZER	TREASURER	1.00	Director	$0	$0	$0
KIM FURNESS	MANAGER	40.00	Officer	$45,080	$0	$45,080

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	$331,073	$232,155	$6,250,278	$98,918
2024	$327,728	$194,256	$6,247,359	$133,472
2023	$298,816	$205,674	$6,288,574	$93,142
2022	$278,264	$261,390	$6,355,820	$16,874
2021	$187,315	$225,047	$6,244,548	$-37,732
2020	$213,655	$214,451	$6,076,277	$-796
2019	$236,925	$220,485	$5,363,516	$16,440
2018	$219,855	$211,266	$5,396,518	$8,589

PEORIA CITY EMPLOYEES CREDIT UNION