PWC EMPLOYEES CREDIT UNION (EIN 541110502) - 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

1971

Legal Domicile

Principal Officer

ROBIN BODIE

Phone

7036801143

Tax Period

2024-01-01 to 2024-12-31

PWC EMPLOYEES CREDIT UNION, founded in 1971, is a community nonprofit that reported $2.5M in total revenue in fiscal year 2018. Revenue grew 16% year-over-year, indicating healthy expansion. The organization ran a surplus of $870K, a strong 35% operating margin.

Mission

The mission of the PWC Employees Credit Union is serving those who serve Price William County by providing world class financial products and service to our member-owners.

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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 (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $2,331,010

Investment Income $978,284

Other Revenue $0

TOTAL REVENUE $3,309,294

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,303,159

Fundraising Expenses $0

Program Expenses $0

Other Expenses $1,608,210

TOTAL EXPENSES $2,911,369

Year-over-Year Comparison

	2024	2023	Change
Revenue	$3,309,294	$3,021,769	+0.1%
Expenses	$2,911,369	$2,688,271	+0.1%
Net Income	$397,925	$333,498	+0.2%

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
Robin Bodie	CEO	50.00	Officer	$0	$0	$0
Pamela M Kennan	CFO	50.00	Officer	$0	$0	$0
Becky Brown	COO	50.00	Officer	$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
2024	$3,309,294	$2,911,369	$75,581,617	$397,925
2023	$3,021,769	$2,688,271	$71,706,809	$333,498
2022	$2,471,086	$2,464,428	$75,908,542	$6,658
2021	$3,679,950	$2,389,978	$79,727,889	$1,289,972
2020	$2,165,280	$2,153,735	$70,097,995	$11,545
2019	$2,429,007	$1,935,449	$61,237,696	$493,558
2018	$2,494,528	$1,624,979	$58,006,191	$869,549

PWC EMPLOYEES CREDIT UNION