PFCU (EIN 381379433) - 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

1947

Legal Domicile

Principal Officer

MICHELE MAKELEY

Phone

5176477571

Tax Period

2024-01-01 to 2024-12-31

PFCU, founded in 1947, is a mid-sized nonprofit that reported $48.6M in total revenue in fiscal year 2024. Revenue grew 15% year-over-year, indicating healthy expansion. Expenses of $43.2M left a modest 11% surplus.

Mission

PFCU WILL DELIVER FINANCIAL WELL-BEING WITH VALUE, CONVENIENCE, AND EXCEPTIONAL SERVICE.

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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 $41,112,399

Investment Income $7,437,682

Other Revenue $0

TOTAL REVENUE $48,550,081

Expense Breakdown

Grants Paid $165,490

Salaries & Benefits $16,508,437

Fundraising Expenses $0

Other Expenses $26,542,981

TOTAL EXPENSES $43,216,908

Year-over-Year Comparison

	2024	2023	Change
Revenue	$48,550,081	$42,104,836	+0.2%
Expenses	$43,216,908	$38,372,237	+0.1%
Net Income	$5,333,173	$3,732,599	+0.4%

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

232

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

$632,107

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MICHAEL WARD	CHAIRPERSON	1.00	Director	$0	$0	$0
ERIN GORMAN	BOD MEMBER	1.00	Director	$0	$0	$0
CHAD BURKE	VICE CHAIRPERSON	1.00	Director	$0	$0	$0
ROBERT CARLTON	BOD MEMBER	1.00	Director	$0	$0	$0
CHRISTINE ROCKEY	SECRETARY	1.00	Director	$0	$0	$0
JOHN KUTAS	BOD MEMBER	1.00	Director	$0	$0	$0
TERRY GREGORICKA	TRESURER	1.00	Director	$0	$0	$0
HOLLY RIDENOUR	BOD MEMBER	1.00	Director	$0	$0	$0
TAMMY L BENGEL	CHIEF FINANCIAL OFFICER	40.00	Officer	$229,483	$21,354	$250,837
MICHELE MAKLEY	CHIEF EXECUTIVE OFFICER	40.00	Officer	$353,192	$28,078	$381,270
THERESA BURGESS	CHIEF MEMBER EXPERIENCE OFFICER	40.00	Highest	$162,619	$31,731	$194,350
LEANNE HIXSON	CHIEF LENDING OFFICER	40.00	Highest	$176,394	$37,663	$214,057
SEAN KREBS	CHIEF TECHNOLOGY OFFICER	40.00	Highest	$151,736	$27,453	$179,189
JOSEPH KRIEGER	EXECUTIVE VICE PRESIDENT	40.00	Highest	$240,012	$43,223	$283,235
GURSIMRAN VIRK	CHIEF RISK OFFICER	40.00	Highest	$153,779	$34,866	$188,645

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	$48,550,081	$43,216,908	$818,132,214	$5,333,173
2023	$42,104,836	$38,372,237	$807,318,625	$3,732,599
2022	$35,812,251	$30,020,235	$790,319,803	$5,792,016
2021	$33,015,111	$26,755,809	$778,796,004	$6,259,302
2020	$31,747,235	$29,215,869	$691,413,181	$2,531,366
2019	$31,907,773	$29,418,402	$578,173,637	$2,489,371
2018	$16,566,357	$15,124,845	$535,594,031	$1,441,512

PFCU