OSHKOSH POSTAL EMPLOYEES CREDIT UNION (EIN 390972029) - 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

1930

Legal Domicile

Principal Officer

CHAD BOSTICK

Phone

9209675595

Tax Period

2025-01-01 to 2025-05-31

OSHKOSH POSTAL EMPLOYEES CREDIT UNION, founded in 1930, is a small nonprofit that reported $124K in total revenue in fiscal year 2024. Revenue fell 62% from the prior year — a significant decline worth monitoring. Expenses of $594K exceeded revenue, resulting in a 381% operating deficit.

Mission

WE ARE COMMITTED TO PROVIDING QUALITY SERVICES TO OUR MEMBERSHIP, WHILE MAINTAINING A SAFE AND RELIABLE FINANCIAL INSTITUTION.

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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 $89,416

Investment Income $34,112

Other Revenue $0

TOTAL REVENUE $123,528

Expense Breakdown

Grants Paid $0

Salaries & Benefits $46,322

Fundraising Expenses $0

Other Expenses $548,023

TOTAL EXPENSES $594,345

Year-over-Year Comparison

	2024	2023	Change
Revenue	$123,528	$321,727	-0.6%
Expenses	$594,345	$299,109	+1.0%
Net Income	$-470,817	$22,618	-21.8%

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

N/A

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

$8,870

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MICHELE SPANBAUER	PRESIDENT	40.00	Officer	$8,870	$0	$8,870
JO HELF	CHAIR	0.25	Officer Director	$0	$0	$0
DOROTHY BROWN	VICE CHAIR	0.25	Officer Director	$0	$0	$0
NICOLAS HELF	TREASURER	0.25	Officer Director	$0	$0	$0
EDMUND SPANBAUER	SECRETARY	0.25	Officer Director	$0	$0	$0
MARIANNE ZARLING	DIRECTOR	0.25	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	$123,528	$594,345	No data	$-470,817
2024	$383,701	$284,189	$4,580,146	$99,512
2023	$321,727	$299,109	$7,101,965	$22,618
2022	$277,393	$267,102	$6,882,087	$10,291
2021	$277,888	$276,665	$7,198,145	$1,223
2020	$300,816	$298,111	$6,681,740	$2,705
2019	$290,756	$280,873	$5,518,377	$9,883
2018	$284,878	$268,252	$5,503,103	$16,626

OSHKOSH POSTAL EMPLOYEES CREDIT UNION