COLUMBIA POST OFFICE CREDIT UNION (EIN 570145280) - 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

1927

Legal Domicile

Principal Officer

BUBBER HOLSTON

Phone

8037792966

Tax Period

2024-01-01 to 2024-12-31

COLUMBIA POST OFFICE CREDIT UNION, founded in 1927, is a small nonprofit that reported $819K in total revenue in fiscal year 2024. The organization ran a surplus of $133K, a strong 16% operating margin.

Mission

STATE CHARTERED 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 (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $316,958

Investment Income $501,925

Other Revenue $0

TOTAL REVENUE $818,883

Expense Breakdown

Grants Paid $0

Salaries & Benefits $208,645

Fundraising Expenses $0

Program Expenses $665,398

Other Expenses $477,617

TOTAL EXPENSES $686,262

Year-over-Year Comparison

	2024	2023	Change
Revenue	$818,883	$855,348	0.0%
Expenses	$686,262	$692,736	0.0%
Net Income	$132,621	$162,612	-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

N/A

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
JERRY BROWN	BOARD MEMBER	N/A	Director	$0	$0	$0
JERRY BURRISS	CHAIRMAN	N/A	Director	$0	$0	$0
MARION EARGLE	BOARD MEMBER	N/A	Director	$0	$0	$0
VICKIE FINLEY	SECRETARY	N/A	Director	$0	$0	$0
BERTHA HOLSTON	BOARD MEMBER	N/A	Director	$0	$0	$0
BUBBER HOLSTON	TREASURER MA	N/A	Officer Director	$0	$0	$0
KAREN PATTERSON	BOARD MEMBER	N/A	Director	$0	$0	$0
FAITH SPRATLIN	BOARD MEMBER	N/A	Director	$0	$0	$0
MIKE WINGARD	VICE CHAIRMA	N/A	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
2024	$818,883	$686,262	$29,260,336	$132,621
2023	$855,348	$692,736	$30,337,717	$162,612
2022	$844,406	$663,217	$37,203,720	$181,189
2021	$955,564	$714,521	$37,696,497	$241,043
2020	$1,016,854	$798,432	$36,591,500	$218,422
2019	$1,067,190	$908,289	$34,113,621	$158,901
2018	$1,047,599	$833,204	$33,139,470	$214,395

COLUMBIA POST OFFICE CREDIT UNION