PUBLIC SERVICE CREDIT UNION

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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

1935

Legal Domicile

Principal Officer

KYLE TURNER

Phone

7158429865

Tax Period

2025-01-01 to 2025-12-31

PUBLIC SERVICE CREDIT UNION, founded in 1935, is a small nonprofit that reported $553K in total revenue in fiscal year 2025. Revenue grew 16% year-over-year, indicating healthy expansion. Expenses of $614K exceeded revenue, resulting in a 11% operating deficit.

Mission

TO ENCOURAGE THRIFT AMONG OUR MEMBERS, TO CREATE A SOURCE OF CREDIT AT A FAIR AND REASONABLE COST, AND TO PROVIDE AN OPPORTUNITY FOR EACH OF OUR MEMBERS TO IMPROVE THEIR RESPECTIVE ECONOMIC AND SOCIAL CONDITIONS.

Program Service Accomplishments

Program 1

THE CREDIT UNION HAS VARIOUS TYPES OF DEPOSIT ACCOUNTS AVAILABLE FOR OUR MEMBERS. WE OPENED 31 NEW DEPOSIT ACCOUNTS IN 2025. AS OF 12/31/25 WE HAD 998 MEMBERS.

Program 2

THE CREDIT UNION HAS SEVERAL TYPES OF LOAN PROGRAMS AVAILABLE FOR OUR MEMBERS. WE FUNDED 112 NEW LOANS TO OUR MEMBERS DURING 2025. AS OF 12/31/25 WE HAD 402 LOANS TO OUR 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 (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $450,584

Investment Income $102,565

Other Revenue $0

TOTAL REVENUE $553,149

Expense Breakdown

Grants Paid $0

Salaries & Benefits $212,647

Fundraising Expenses $0

Other Expenses $401,558

TOTAL EXPENSES $614,205

Year-over-Year Comparison

	2025	2024	Change
Revenue	$553,149	$477,012	+0.2%
Expenses	$614,205	$444,728	+0.4%
Net Income	$-61,056	$32,284	-2.9%

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

N/A

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

$80,620

Total Directors

$3,283

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
KYLE TURNER	PRESIDENT	45.00	Officer	$74,000	$5,150	$79,150
JASON LINZMAIER	DIRECTOR	0.50	Director	$539	$0	$539
DAVID SCHNEIDER	DIRECTOR	0.50	Director	$539	$0	$539
DARRIN WURZ	SECRETARY	0.50	Officer Director	$539	$0	$539
ALEXANDER VEDVICK	CHAIR	1.00	Officer Director	$490	$0	$490
PERRY WANNER	VICE CHAIR/T	0.50	Officer Director	$441	$0	$441
BRIAN IMHOFF	DIRECTOR	0.50	Director	$294	$0	$294
MADELINE SMITH	DIRECTOR	0.50	Director	$245	$0	$245
MATHEW MURPHY	DIRECTOR	0.50	Director	$196	$0	$196

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	$553,149	$614,205	$12,884,839	$-61,056
2024	$477,012	$444,728	$11,829,017	$32,284
2023	$373,220	$360,210	$11,113,573	$13,010
2022	$323,449	$413,332	$12,351,342	$-89,883
2021	$343,631	$346,197	$12,625,598	$-2,566
2020	$370,795	$353,547	$12,212,265	$17,248
2019	$372,986	$348,349	$11,501,009	$24,637
2018	$360,860	$341,181	$11,925,674	$19,679