Petersburg Federal Reformatory Credit Union Inc (EIN 540593352) - Form 990 Financial Analysis & Trantor Score

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Tuckman-Chang Vulnerability Assessment

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

1951

Legal Domicile

Principal Officer

PAUL E DUNSTON

Phone

8048612537

Tax Period

2022-01-01 to 2022-12-31

Petersburg Federal Reformatory Credit Union Inc, founded in 1951, is a small nonprofit that reported $159K in total revenue in fiscal year 2020. Revenue decreased 19% compared to the prior year. Expenses of $152K left a modest 4% surplus.

Mission

State chartered credit union offering savings accounts and loans to its membership

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Trantor Score

Financial Health & Payment Capacity Assessment (FICO Scale: 300–850)

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2022)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $112,496

Investment Income $16,204

Other Revenue $0

TOTAL REVENUE $128,700

Expense Breakdown

Grants Paid $0

Salaries & Benefits $60,849

Fundraising Expenses $0

Program Expenses $128,332

Other Expenses $67,483

TOTAL EXPENSES $128,332

Year-over-Year Comparison

	2022	2021	Change
Revenue	$128,700	$131,065	0.0%
Expenses	$128,332	$121,333	+0.1%
Net Income	$368	$9,732	-1.0%

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

Total Directors

Key Employees

$17,615

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
SAMUEL P CLEMENT	Treasurer	1.000	Officer Director	$0	$0	$0
ERIC MEDLEY	Director	1.000	Director	$0	$0	$0
ANNA K MILES	Director	1.000	Director	$0	$0	$0
PAUL E DUNSTON	President	1.000	Officer Director	$0	$0	$0
BARRY ORMOND	Vice President	1.000	Officer Director	$0	$0	$0
TAMALA CRUTCHFIELD	Secretary	1.000	Officer Director	$0	$0	$0
DAVID R HOLLIDAY	Member Service Rep	25.00	Key Emp	$17,615	$0	$17,615
ROSE C WILLIAMS	Manager	25.00	Highest	$38,783	$0	$38,783
FELICIA KING	Director	1.000	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
2022	$128,700	$128,332	$3,753,517	$368
2021	$131,065	$121,333	$4,261,358	$9,732
2020	$158,527	$152,442	$4,062,579	$6,085

Petersburg Federal Reformatory Credit Union Inc