PUBLIC SAFETY CREDIT UNION (EIN 440526700) - 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

1934

Legal Domicile

Principal Officer

MARY SHEA

Phone

8165042800

Tax Period

2024-01-01 to 2024-12-31

PUBLIC SAFETY CREDIT UNION, founded in 1934, is a mid-sized nonprofit that reported $11.2M in total revenue in fiscal year 2024. Revenue grew 12% year-over-year, indicating healthy expansion. The organization ran a surplus of $1.9M, a strong 17% operating margin.

Mission

FINANCIAL EMPOWERMENT FOR THE FIRST RESPONDER COMMUNITY

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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 $9,597,224

Investment Income $1,551,673

Other Revenue $11,050

TOTAL REVENUE $11,159,947

Expense Breakdown

Grants Paid $25,539

Salaries & Benefits $3,603,437

Fundraising Expenses $0

Other Expenses $5,616,742

TOTAL EXPENSES $9,245,718

Year-over-Year Comparison

	2024	2023	Change
Revenue	$11,159,947	$9,993,786	+0.1%
Expenses	$9,245,718	$8,112,462	+0.1%
Net Income	$1,914,229	$1,881,324	+0.0%

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

$716,786

Total Directors

$132,996

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
BRIAN BARTCH	CHAIRMAN	0.50	Director	$0	$0	$0
KELLY ECKERT	VICE CHAIRMAN	0.50	Director	$0	$0	$0
RYAN MILLS	TREASURER	0.50	Director	$0	$0	$0
JENNIFER WEIMHOLD	SECRETARY	0.50	Director	$0	$0	$0
DAN HALEY	DIRECTOR	0.50	Director	$0	$0	$0
DEREK MCCOLLUM	DIRECTOR	0.50	Director	$0	$0	$0
JOHN MUELLER	DIRECTOR	0.50	Director	$0	$0	$0
KAREN TRUE	DIRECTOR	0.50	Director	$0	$0	$0
JAN ZIMMERMAN	DIRECTOR	0.50	Director	$0	$0	$0
PAULA CAMPBELL	CHIEF LENDING OFFICER	40.00	Director	$116,078	$16,918	$132,996
MARY SHEA	PRESIDENT/CEO	40.00	Officer	$225,665	$23,713	$249,378
MICHAEL HAGGERTY	EXECUTIVE VICE PRESIDENT/C	40.00	Officer	$146,753	$19,018	$165,771
BRIAN BELL	CHIEF MARKETING TECHNOLOGY	40.00	Officer	$150,911	$19,529	$170,440
LINDSEY MOORE	CHIEF OPERATIONS OFFICER	40.00	Officer	$123,169	$8,028	$131,197
PAUL HINCK	VP - ACCOUNTING	40.00	Highest	$120,796	$16,520	$137,316

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	$11,159,947	$9,245,718	$177,538,647	$1,914,229
2023	$9,993,786	$8,112,462	$177,959,573	$1,881,324
2022	$8,380,438	$7,403,167	$182,293,034	$977,271
2021	$7,288,019	$6,411,354	$183,359,401	$876,665
2020	$7,356,844	$6,612,218	$164,104,775	$744,626
2019	$7,624,307	$7,022,996	$141,647,076	$601,311
2018	$7,295,379	$6,702,521	$136,283,514	$592,858

PUBLIC SAFETY CREDIT UNION