Dubuque Postal Employees Credit Union (EIN 420846984) - 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

1927

Legal Domicile

Principal Officer

Timothy Ludwig

Phone

5635829515

Tax Period

2025-01-01 to 2025-12-31

Dubuque Postal Employees Credit Union, founded in 1927, is a small nonprofit that reported $183K in total revenue in fiscal year 2025. Expenses of $160K left a modest 13% surplus.

Mission

To serve our members with both savings and loan products, create a source of credit at a fair and reasonable rate of interest, encourage thrift among our members and provide the opportunity for our members to use and control their savings for our mutual benefit.

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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 $76,080

Investment Income $107,325

Other Revenue $47

TOTAL REVENUE $183,452

Expense Breakdown

Grants Paid $0

Salaries & Benefits $27,407

Fundraising Expenses $0

Program Expenses $0

Other Expenses $132,985

TOTAL EXPENSES $160,392

Year-over-Year Comparison

	2025	2024	Change
Revenue	$183,452	$171,846	+0.1%
Expenses	$160,392	$155,184	+0.0%
Net Income	$23,060	$16,662	+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

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

$25,461

Total Directors

$25,461

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Timothy Ludwig	President	15	Officer Director Highest	$16,500	$0	$16,500
Raymond Pregler	Chair of the Board	7	Officer Director	$8,961	$0	$8,961
Bernadette Martin	Director	2	Director	$0	$0	$0
Marvin Budde	Vice Chair of the Board	2	Officer Director	$0	$0	$0
Todd Kelleher	Director	2	Director	$0	$0	$0
Tom Kiernan	Director	2	Director	$0	$0	$0
William Frye	Secretary	2	Director	$0	$0	$0
Tim Peppmeier	Director	2	Director	$0	$0	$0
Jim Davis	Director	2	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	$183,452	$160,392	$4,394,819	$23,060
2024	$171,846	$155,184	$4,221,526	$16,662
2023	$145,343	$130,456	$4,337,624	$14,887
2022	$132,749	$112,482	$5,230,606	$20,267
2021	$116,250	$102,283	$5,566,198	$13,967
2020	$129,719	$112,381	$5,258,664	$17,338
2019	$132,762	$133,818	$4,569,173	$-1,056
2018	$126,731	$111,571	$4,615,981	$15,160

Dubuque Postal Employees Credit Union