POSTAL & COMMUNITY CREDIT UNION (EIN 431546494) - 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

1928

Legal Domicile

Principal Officer

TINA RYAN

Phone

8162795656

Tax Period

2024-01-01 to 2024-12-31

POSTAL & COMMUNITY CREDIT UNION, founded in 1928, is a community nonprofit that reported $4.6M in total revenue in fiscal year 2024. Revenue surged 24% from the prior year, signaling strong growth momentum. The organization ran a surplus of $895K, a strong 19% operating margin.

Mission

TO PROVIDE HIGH QUALITY FINANCIAL SERVICES FOR OUR MEMBERS/OWNERS, ENHANCING THEIR FINANCIAL WELL-BEING WHILE MAINTAINING THE FINANCIAL STRENGTH OF THE CREDIT UNION.

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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 $3,791,437

Investment Income $794,244

Other Revenue $12,873

TOTAL REVENUE $4,598,554

Expense Breakdown

Grants Paid $0

Salaries & Benefits $880,508

Fundraising Expenses $0

Other Expenses $2,822,941

TOTAL EXPENSES $3,703,449

Year-over-Year Comparison

	2024	2023	Change
Revenue	$4,598,554	$3,705,251	+0.2%
Expenses	$3,703,449	$2,997,582	+0.2%
Net Income	$895,105	$707,669	+0.3%

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

$409,472

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JOE MISTEK	CHAIRPERSON	0.25	Director	$0	$0	$0
RICHARD PHILLIPS	VICE CHAIRPERSON	0.25	Director	$0	$0	$0
CRYSTINA GOSS	SECRETARY/TREASURER	0.25	Director	$0	$0	$0
BILL STEELE	BOARD MEMBER	0.25	Director	$0	$0	$0
SCOTT NEWEY	BOARD MEMBER	0.25	Director	$0	$0	$0
AARON RICHARDSON	BOARD MEMBER	0.25	Director	$0	$0	$0
HAROLD ALLISON	BOARD MEMBER	0.25	Director	$0	$0	$0
JAMES SPAFFORD	PRESIDENT (FORMER)	40.00	Officer	$136,068	$704	$136,772
LESLIE DAVIES	VP-LENDING	40.00	Officer	$89,972	$0	$89,972
TINA RYAN	PRESIDENT	40.00	Officer	$80,952	$478	$81,430
SARA MEARS	VP-ACCOUNTING	40.00	Officer	$53,315	$0	$53,315
BRENDA KERNS	VP-MEMBER SERVICES	40.00	Officer	$46,525	$1,458	$47,983

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
2024	$4,598,554	$3,703,449	$83,508,591	$895,105
2023	$3,705,251	$2,997,582	$77,240,800	$707,669
2022	$2,786,585	$2,204,761	$73,999,171	$581,824
2021	$2,771,867	$2,134,592	$71,257,186	$637,275
2020	$2,716,713	$2,124,520	$60,672,105	$592,193
2019	$2,614,493	$2,285,231	$54,265,991	$329,262
2018	$2,216,013	$1,973,235	$53,031,948	$242,778

POSTAL & COMMUNITY CREDIT UNION