FUNERAL SERVICE CREDIT UNION (EIN 371139227) - 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

1983

Legal Domicile

Principal Officer

Rebecca Dobey

Phone

2175465480

Tax Period

2025-01-01 to 2025-12-31

FUNERAL SERVICE CREDIT UNION, founded in 1983, is a small nonprofit that reported $621K in total revenue in fiscal year 2025. Net assets of $1.9M represent 36 months of operating reserves.

Mission

TO ASSIST OUR MEMBERS IN THE MANAGEMENT OF THEIR FINANCIAL WELL BEING BY PROVIDING LOANS SHARE SAVINGS ACCTS AND OTHER FINANCIAL INSTITUTION SERVICES IN A FRIENDLY AND PROFESSIONAL MATTER

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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 $571,977

Investment Income $30,342

Other Revenue $19,148

TOTAL REVENUE $621,467

Expense Breakdown

Grants Paid $0

Salaries & Benefits $169,396

Fundraising Expenses $0

Program Expenses $636,408

Other Expenses $467,012

TOTAL EXPENSES $636,408

Year-over-Year Comparison

	2025	2024	Change
Revenue	$621,467	$635,662	0.0%
Expenses	$636,408	$596,351	+0.1%
Net Income	$-14,941	$39,311	-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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
REBECCA DOBEY	PRESIDENT, SECRETARY & EXECUTIVE COMMITTEE	40	Highest	$71,000	$15,416	$86,416
MARK BALLARD	BOARD MEMBER & CREDIT COMMITTEE	0	Director	$0	$0	$0
ALAN PALMER	CREDIT COMMITTEE-CHAIRPERSON, VICE CHAIRMAN, EXECUTIVE COMMITTEE	0	Officer Director	$0	$0	$0
RANDALL L EARL	CHAIRMAN & EXECUTIVE COMMITTEE	0	Officer Director	$0	$0	$0
SAMUEL FINCH	MEMBERSHIP COMMITTEE CHAIRPERSON	0	Director	$0	$0	$0
ROBERT JAMISON	CREDIT COMMITTEE	0	Director	$0	$0	$0
LORNA JOHNSON	TREASURER & EXECUTIVE COMMITTEE	0	Officer Director	$0	$0	$0
MAUREEN HAYES	SUPERVISORY COMMITTEE - CHAIRPERSON	0	Director	$0	$0	$0
BRIAN VOIGHTS	BOARD MEMBER & SUPERVISORY COMMITTEE	0	Director	$0	$0	$0
LINDA ALLAN - EARL	BOARD MEMBER & SUPERVISORY COMMITTEE	0	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	$621,467	$636,408	$9,898,298	$-14,941
2024	$635,662	$596,351	$10,740,422	$39,311
2023	$581,656	$489,977	$11,679,963	$91,679
2022	$405,762	$354,795	$11,152,060	$50,967
2021	$402,302	$320,971	$9,547,346	$81,331
2020	$353,702	$332,754	$9,115,924	$20,948
2019	$349,048	$324,048	$9,152,908	$25,000
2018	$316,770	$298,775	$9,165,077	$17,995

FUNERAL SERVICE CREDIT UNION