FAYETTEVILLE POSTAL CREDIT UNION (EIN 566056192) - 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

1928

Legal Domicile

Principal Officer

PETER MINFORD

Phone

9104845146

Tax Period

2019-01-01 to 2019-12-31

FAYETTEVILLE POSTAL CREDIT UNION, founded in 1928, is a small nonprofit that reported $559K in total revenue in fiscal year 2019.

Mission

PROVIDE FINANCIAL SERVICES INCLUDING LOANS TO OUR MEMBERS AT A REASONABLE RATE AND PAY REASONABLE DIVIDENDS ON OUR MEMBER DEPOSITS.

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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 (2019)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $495,668

Investment Income $51,934

Other Revenue $11,133

TOTAL REVENUE $558,735

Expense Breakdown

Grants Paid $0

Salaries & Benefits $175,650

Fundraising Expenses $0

Program Expenses $602,233

Other Expenses $426,583

TOTAL EXPENSES $602,233

Year-over-Year Comparison

	2019	2018	Change
Revenue	$558,735	$577,616	0.0%
Expenses	$602,233	$523,413	+0.2%
Net Income	$-43,498	$54,203	-1.8%

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

1551

Independent Members

N/A

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

$54,321

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
WILLIE CATO	DIRECTOR	1.00	Director	$0	$0	$0
JENNIFER PROCTOR	DIRECTOR	1.00	Director	$0	$0	$0
DOROTHY SHRECKER	PRESIDENT	1.00	Officer Director	$0	$0	$0
SHIELA HYDE	VICE PRESIDENT	1.00	Officer Director	$0	$0	$0
SANDY ARRUFAT	SECRETARY	1.00	Officer Director	$0	$0	$0
CHERYL MCNEILL	TREASURER	1.00	Officer Director	$0	$0	$0
ILA COTTRELLHOFFMAN	DIRECTOR	1.00	Director	$0	$0	$0
MOLLY GILL	MANAGER	40.00	Officer	$54,321	$0	$54,321

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
2019	$558,735	$602,233	No data	$-43,498

FAYETTEVILLE POSTAL CREDIT UNION