GREENSBORO POSTAL CREDIT UNION (EIN 560679188) - Form 990 Financial Analysis & Trantor Score

🔒

Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

Sign in with your work email to view Tuckman-Chang indicators

Financial Trends

Organization Details

Formation Year

1928

Legal Domicile

Principal Officer

PAMALA DOUGLAS

Phone

3368550662

Tax Period

2025-01-01 to 2025-12-31

GREENSBORO POSTAL CREDIT UNION, founded in 1928, is a small nonprofit that reported $808K in total revenue in fiscal year 2025. Expenses of $781K left a modest 3% surplus.

Mission

PROVIDING LOANS AND AND SAVINGS TO MEMBERS AT REASONABLE RATES.

🔒

Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

Sign in to view Trantor Score and financial metrics

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

Financial Overview (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $510,682

Investment Income $297,019

Other Revenue $0

TOTAL REVENUE $807,701

Expense Breakdown

Grants Paid $0

Salaries & Benefits $384,353

Fundraising Expenses $0

Program Expenses $7,805,390

Other Expenses $396,186

TOTAL EXPENSES $780,539

Year-over-Year Comparison

	2025	2024	Change
Revenue	$807,701	$816,249	0.0%
Expenses	$780,539	$830,713	-0.1%
Net Income	$27,162	$-14,464	-2.9%

Key Indicators

✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✗ Schedule B Required

🔒

Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

Sign in to view all financial metrics

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

$88,269

Total Directors

$88,269

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
PAMALA DOUGLAS	CEO and BOARD TREASURER	40.00	Officer Director	$88,269	$0	$88,269
LARRY SHULER	BOARD CHAIRPERSON and BOARD MEMBER	2.00	Director	$0	$0	$0
SHERRY THOMPSON	BOARD VICE CHAIRPERSON	2.00	Director	$0	$0	$0
SANDRA LYNCH	BOARD SECRETARY	2.00	Director	$0	$0	$0
JESSICA BENNETT	BOARD MEMBER AND SUPV COMM	2.00	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	$807,701	$780,539	$16,363,644	$27,162
2024	$816,249	$830,713	$17,198,291	$-14,464
2023	$746,032	$695,553	$17,947,292	$50,479
2022	$713,301	$604,263	$20,924,871	$109,038
2021	$674,630	$574,799	$22,387,144	$99,831
2020	$566,416	$535,415	$21,993,833	$31,001
2019	$635,377	$577,240	$20,778,606	$58,137
2018	$583,033	$535,319	$21,808,093	$47,714

GREENSBORO POSTAL CREDIT UNION