DULUTH POLICE DEPARTMENT EMPLOYEES CREDIT UNION (EIN 410226495) - Form 990 Financial Analysis & Trantor Score

🔒

Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

Sign in with your work email to view Tuckman-Chang indicators

Financial Trends

Organization Details

Formation Year

1938

Legal Domicile

Principal Officer

THOMAS EHLE

Phone

2187305140

Tax Period

2025-01-01 to 2025-12-31

DULUTH POLICE DEPARTMENT EMPLOYEES CREDIT UNION, founded in 1938, is a small nonprofit that reported $318K in total revenue in fiscal year 2025. Revenue grew 16% year-over-year, indicating healthy expansion. The organization ran a surplus of $71K, a strong 22% operating margin.

Mission

TO PROMOTE THRIFT AMONG OUR MEMBERS AND CREATE A SOURCE OF CREDIT FOR THEM AT LEGITIMATE RATES OF INTEREST.

🔒

Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

Sign in to view Trantor Score and financial metrics

Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $237,926

Investment Income $79,870

Other Revenue $475

TOTAL REVENUE $318,271

Expense Breakdown

Grants Paid $0

Salaries & Benefits $93,608

Fundraising Expenses $0

Other Expenses $153,803

TOTAL EXPENSES $247,411

Year-over-Year Comparison

	2025	2024	Change
Revenue	$318,271	$273,730	+0.2%
Expenses	$247,411	$219,556	+0.1%
Net Income	$70,860	$54,174	+0.3%

Key Indicators

✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✗ Schedule B Required

🔒

Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

Sign in to view all financial metrics

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

$35,152

Total Directors

$35,152

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
THOMAS EHLE	MANAGER / TR	20.00	Officer Director	$35,152	$0	$35,152
JOHN KALENOWSKI	CHAIR	0.50	Officer Director	$0	$0	$0
RICHARD VOLTZKE	VICE CHAIR	0.50	Officer Director	$0	$0	$0
CLAUDIA JOHNSON	SECRETARY	0.50	Officer Director	$0	$0	$0
REBECCA PALMI	DIRECTOR	0.50	Director	$0	$0	$0
MILTON HUTA	DIRECTOR	0.50	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	$318,271	$247,411	$7,807,440	$70,860
2024	$273,730	$219,556	$7,912,044	$54,174
2023	$221,527	$194,938	$8,967,289	$26,589
2022	$226,691	$176,557	$11,020,385	$50,134
2021	$280,587	$178,225	$12,334,460	$102,362
2020	$285,380	$185,115	$11,362,493	$100,265

DULUTH POLICE DEPARTMENT EMPLOYEES CREDIT UNION