HUTCHINSON POSTAL & COMMUNITY CREDIT UNION (EIN 480580158) - 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

1929

Legal Domicile

Principal Officer

ROSA WHITE

Phone

6206628050

Tax Period

2025-01-01 to 2025-12-31

HUTCHINSON POSTAL & COMMUNITY CREDIT UNION, founded in 1929, is a small nonprofit that reported $476K in total revenue in fiscal year 2025.

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 (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $427,545

Investment Income $48,634

Other Revenue $0

TOTAL REVENUE $476,179

Expense Breakdown

Grants Paid $0

Salaries & Benefits $157,394

Fundraising Expenses $0

Program Expenses $0

Other Expenses $327,431

TOTAL EXPENSES $484,825

Year-over-Year Comparison

	2025	2024	Change
Revenue	$476,179	$462,888	+0.0%
Expenses	$484,825	$429,463	+0.1%
Net Income	$-8,646	$33,425	-1.3%

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ROSA WHITE	MANAGER	40	Highest	$53,705	$0	$53,705
Cheyne Belote	CHAIRPERSON	3	Director	$0	$0	$0
Sosha Muniz	BOARD SECRETARY TREASURER	3	Director	$0	$0	$0
Clarissa McDaniel	DIRECTOR	3	Director	$0	$0	$0
Aisha Hernandez	BOARD MEMBER	3	Director	$0	$0	$0
Kathy Battershell	Board Member	3	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	$476,179	$484,825	$5,047,350	$-8,646
2024	$462,888	$429,463	$5,101,916	$33,425
2023	$401,579	$374,106	$4,947,526	$27,473
2022	$334,353	$306,935	$4,475,508	$27,418
2021	$293,640	$297,336	$4,190,507	$-3,696
2020	$283,995	$324,200	$3,972,924	$-40,205
2019	$303,030	$261,332	$3,751,523	$41,698
2018	$277,333	$320,836	$4,033,469	$-43,503

HUTCHINSON POSTAL & COMMUNITY CREDIT UNION