QUINCY POSTAL EMPLOYEES CREDIT UNION

EIN: 370773939

Quincy, IL

Total Revenue
$109,361
Total Expenses
$82,573
Total Assets
$2,185,684
Net Assets
$368,514
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Financial Vulnerability Assessment (Tuckman-Chang)

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Financial Trends

Organization Details

Formation Year
1930
Legal Domicile
IL
Principal Officer
Randy Hughes
Phone
2172243188
Tax Period
2025-01-01 to 2025-12-31

QUINCY POSTAL EMPLOYEES CREDIT UNION, founded in 1930, is a small nonprofit that reported $109K in total revenue in fiscal year 2025. Revenue decreased 15% compared to the prior year. The organization ran a surplus of $27K, a strong 24% operating margin.

Mission

To encourage thrift among our members to create a source of credit at a reasonable rate of interest, and to provide an opportunity for our members to use and control their own money in order to improve their economic and social condition

Program Service Accomplishments

Program 1
Expenses: $5,949

Provide consumer loans to 37 members

Program 2
Expenses: $9,460

Issued share certificates to 20 members

Program 3
Expenses: $74,340

Received deposits on savings accounts for 315 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%)

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Financial Overview (2025)

Revenue Breakdown

Contributions & Grants $0
Program Service Revenue $39,726
Investment Income $69,635
Other Revenue $0
TOTAL REVENUE $109,361

Expense Breakdown

Grants Paid $0
Salaries & Benefits $37,453
Fundraising Expenses $0
Program Expenses $89,749
Other Expenses $45,120
TOTAL EXPENSES $82,573

Year-over-Year Comparison

2025 2024 Change
Revenue $109,361 $128,810 -0.2%
Expenses $82,573 $89,749 -0.1%
Net Income $26,788 $39,061 -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

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Liquidity & Cash Position

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Governance

Voting Members
8
Independent Members
6
Employees
2
Volunteers
6

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
3
$17,250
Total Directors
8
$34,500
Key Employees
1
$17,250
Highest Compensated
0
reported
Name Title Hours/Week Role Reportable Comp Other Comp Total
Randy Hughes President/Treasurer 20
Officer Director
$17,250 $0 $17,250
Linda Ensminger Board Member/Credit Committee/Office Manager 20
Director Key Emp
$17,250 $0 $17,250
James Allen Secretary/Asst. Treasurer 2
Officer Director
$0 $0 $0
David Koch Board Member/Supervisory Committee 0.5
Director
$0 $0 $0
Diane Anderson Board Member/Chairperson Supervisory Committee 2
Director
$0 $0 $0
George Newbanks V Board Member/Credit Committee 2
Director
$0 $0 $0
Kim Flachs Board Chairperson/Membership Committee 0.5
Officer Director
$0 $0 $0
Kenneth Whitfield Board Member/Supervisory Committee 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 $109,361 $82,573 $2,185,684 $26,788
2024 $128,810 $89,749 $2,531,196 $39,061
2023 $95,787 $73,030 $2,483,062 $22,757
2022 $66,041 $61,550 $2,650,778 $4,491
2021 $70,989 $62,169 $2,652,913 $8,820
2020 $63,014 $65,601 $2,428,933 $-2,587
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