PEOPLES 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

1962

Legal Domicile

Principal Officer

JORDAN HENSLEY

Phone

5158326346

Tax Period

2025-01-01 to 2025-12-31

PEOPLES CREDIT UNION, founded in 1962, is a community nonprofit that reported $6.4M in total revenue in fiscal year 2025.

Mission

PEOPLES CREDIT UNION STRIVES TO PROVIDE THE MOST COST EFFICIENT PRODUCTS AND SERVICES TO THEIR MEMBERS.

Program Service Accomplishments

Program 1

Expenses: $6,266,866 Revenue: $5,309,758

THE ORGANIZATION MAINTAINS AROUND 3,000 CHECKING ACCOUNTS, HAS ISSUED AROUND 2,800 DEBIT CARD ACCOUNTS AND SERVICES ABOUT 400 CREDIT CARD ACCOUNTS ON BEHALF OF CARDHOLDERS. APPROXIMATELY 5,700...

THE ORGANIZATION MAINTAINS AROUND 3,000 CHECKING ACCOUNTS, HAS ISSUED AROUND 2,800 DEBIT CARD ACCOUNTS AND SERVICES ABOUT 400 CREDIT CARD ACCOUNTS ON BEHALF OF CARDHOLDERS. APPROXIMATELY 5,700 MEMBERS WERE SERVED DURING 2025.

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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 $185,718

Program Service Revenue $4,376,030

Investment Income $907,469

Other Revenue $886,868

TOTAL REVENUE $6,356,085

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,664,758

Fundraising Expenses $0

Program Expenses $6,266,866

Other Expenses $4,602,108

TOTAL EXPENSES $6,266,866

Year-over-Year Comparison

	2025	2024	Change
Revenue	$6,356,085	$6,288,328	+0.0%
Expenses	$6,266,866	$6,850,261	-0.1%
Net Income	$89,219	$-561,933	-1.2%

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

$342,769

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JIM HAY	BOARD CHAIR	1.00	Officer Director	$0	$0	$0
KEN MCKENNY	VICE CHAIR	0.50	Officer Director	$0	$0	$0
LUANNE PAPER	SECRETARY	0.50	Officer Director	$0	$0	$0
JOHN BERGLUND	BOARD MEMBER	0.50	Director	$0	$0	$0
ANNA WOODWARD	BOARD MEMBER	0.50	Director	$0	$0	$0
DALE STRUEKER	BOARD MEMBER	0.50	Director	$0	$0	$0
PEGGY ARENDS	BOARD MEMBER	0.50	Director	$0	$0	$0
ZAOMI CALLES-SOSA	BOARD MEMBER	0.50	Director	$0	$0	$0
CHARLES CLAYTON	BOARD MEMBER	0.50	Director	$0	$0	$0
JORDAN HENSLEY	CEO	40.00	Officer	$174,556	$16,902	$191,458
STEPHEN KESTEN	VPO	40.00	Officer	$121,011	$30,300	$151,311

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	$6,356,085	$6,266,866	$90,391,161	$89,219
2024	$6,288,328	$6,850,261	$89,140,364	$-561,933
2023	$5,170,387	$5,275,408	$87,531,202	$-105,021
2022	$4,323,841	$3,691,556	$89,550,982	$632,285
2021	$3,848,954	$3,556,998	$78,961,177	$291,956
2020	$3,770,636	$3,568,798	$72,317,565	$201,838
2019	$3,667,293	$3,523,117	$64,256,535	$144,176
2018	$3,081,616	$2,786,817	$52,342,750	$294,799