PCM CREDIT UNION (EIN 390974444) - 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

1958

Legal Domicile

Principal Officer

SHELLY MELLENBERGER

Phone

9204992831

Tax Period

2023-01-01 to 2023-12-31

PCM CREDIT UNION, founded in 1958, is a mid-sized nonprofit that reported $18.9M in total revenue in fiscal year 2023. Revenue surged 35% from the prior year, signaling strong growth momentum. Expenses of $17.9M left a modest 5% surplus.

Mission

PCM CREDIT UNION IS A STRONG FINANCIAL COOPERATIVE THAT GOES ABOVE AND BEYOND PROVIDING MEMBER-OWNERS BENEFITS AND ADVANTAGES OVER OTHER FINANCIAL INSTITUTIONS.

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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 (2023)

Revenue Breakdown

Contributions & Grants $21,242

Program Service Revenue $14,999,285

Investment Income $3,888,959

Other Revenue $12,089

TOTAL REVENUE $18,921,575

Expense Breakdown

Grants Paid $98,656

Salaries & Benefits $4,261,380

Fundraising Expenses $0

Other Expenses $13,560,546

TOTAL EXPENSES $17,920,582

Year-over-Year Comparison

	2023	2022	Change
Revenue	$18,921,575	$13,994,856	+0.4%
Expenses	$17,920,582	$10,936,812	+0.6%
Net Income	$1,000,993	$3,058,044	-0.7%

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

$663,774

Total Directors

$3,200

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DAVE MURRAY	CHAIRPERSON	1.00	Director	$1,351	$0	$1,351
JEFF BURICH	VICE CHAIRPERSON	1.00	Director	$0	$0	$0
MARLIS KLIMEK	VICE CHAIRPERSON (THRU MARCH 2023)	1.00	Director	$0	$0	$0
ROBERT HATSZEGI	TREASURER	1.00	Director	$1,849	$0	$1,849
DEB BARLAMENT	DIRECTOR	1.00	Director	$0	$0	$0
PHILLIP GIESE	DIRECTOR	1.00	Director	$0	$0	$0
KAREN SYLVESTER	DIRECTOR	1.00	Director	$0	$0	$0
JIM ZITTLOW	DIRECTOR	1.00	Director	$0	$0	$0
SHELLY MELLENBERGER	PRESIDENT	40.00	Officer	$227,326	$26,128	$253,454
DANNY L WOLLIN	PRESIDENT (THRU APRIL 2023)	40.00	Officer	$242,704	$34,728	$277,432
SAMANTHA ISTED	VICE PRESIDENT OF FINANCE	40.00	Officer	$113,112	$19,776	$132,888
JOSEPH WOLLIN	VICE PRESIDENT LENDING	40.00	Highest	$125,385	$29,967	$155,352
LESLEY ENZ	SENIOR DIRECTOR OF MARKETING	40.00	Highest	$107,234	$19,601	$126,835
CHRISTINA CONNELL	VICE PRESIDENT OF HUMAN RESOURCES	40.00	Highest	$108,642	$16,894	$125,536
GEORGE ROSENDAUL	IT DIRECTOR	40.00	Highest	$101,119	$14,067	$115,186

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	No data	No data	No data	No data
2023	$18,921,575	$17,920,582	$450,113,411	$1,000,993
2022	$13,994,856	$10,936,812	$393,134,166	$3,058,044
2021	$12,583,727	$9,832,619	$358,033,017	$2,751,108
2020	$12,456,695	$10,252,529	$320,189,637	$2,204,166
2019	$12,306,774	$10,183,911	$269,206,275	$2,122,863
2018	$10,832,370	$8,658,461	$258,982,107	$2,173,909

PCM CREDIT UNION