RAILWAY CREDIT UNION (EIN 450240799) - 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

1954

Legal Domicile

Principal Officer

Paul J Brucker

Phone

7016679500

Tax Period

2024-01-01 to 2024-12-31

RAILWAY CREDIT UNION, founded in 1954, is a mid-sized nonprofit that reported $10.9M in total revenue in fiscal year 2024. Revenue surged 29% from the prior year, signaling strong growth momentum. Expenses of $9.6M left a modest 12% surplus.

Mission

Provide financial services to credit union members

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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 $0

Investment Income $1,617,787

Other Revenue $9,320,537

TOTAL REVENUE $10,938,324

Expense Breakdown

Grants Paid $0

Salaries & Benefits $3,076,235

Fundraising Expenses $0

Program Expenses $0

Other Expenses $6,519,527

TOTAL EXPENSES $9,595,762

Year-over-Year Comparison

	2024	2023	Change
Revenue	$10,938,324	$8,449,194	+0.3%
Expenses	$9,595,762	$7,396,096	+0.3%
Net Income	$1,342,562	$1,053,098	+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

$1,022,419

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Paul J Brucker	President/CEO	45	Officer	$357,200	$86,009	$443,209
Heather Fleck	VP of Operations	45	Officer	$147,403	$54,376	$201,779
Chad Bartosh	Chief Lending Officer	45	Officer	$143,818	$51,656	$195,474
Derrick Hertz	Chief Financial Officer	45	Officer	$128,628	$53,329	$181,957
Dustin Bitz	VP of Asset Protection	45	Highest	$114,026	$50,141	$164,167
Douglas M Erhart	Chairman	5	Director	$0	$0	$0
Jerry Suko	Vice Chairman	1	Director	$0	$0	$0
A E Fry	Secretary	1	Director	$0	$0	$0
James L Jensen	Board Member	1	Director	$0	$0	$0
Bruce Brucker	Board Member	1	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	No data	No data	No data	No data
2024	$10,938,324	$9,595,762	$188,390,222	$1,342,562
2023	$8,449,194	$7,396,096	$174,508,590	$1,053,098
2022	$6,627,392	$4,972,208	$162,148,039	$1,655,184
2021	$5,898,614	$4,495,471	$154,111,125	$1,403,143
2020	$5,715,817	$4,744,727	$136,172,394	$971,090
2019	$5,711,264	$4,543,120	$122,121,562	$1,168,144
2018	$5,056,467	$3,949,426	$110,996,982	$1,107,041

RAILWAY CREDIT UNION