COLUMBIA POST OFFICE CREDIT UNION

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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

HARRY BYRD

Phone

8037792966

Tax Period

2025-01-01 to 2025-12-31

COLUMBIA POST OFFICE CREDIT UNION, founded in 1927, is a small nonprofit that reported $846K in total revenue in fiscal year 2025. The organization ran a surplus of $216K, a strong 26% operating margin.

Mission

STATE CHARTERED CREDIT UNION

Program Service Accomplishments

Program 1

Expenses: $611,369

DURING THE YEAR, THE CREDIT UNION SERVED ITS' MEMBERS BY PROVIDING LOANS AT REASONABLE RATES. THEY ALSO PROVIDED INTEREST ON DEPOSITS AT REASONABLE RATES.

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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 (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $287,157

Investment Income $558,734

Other Revenue $0

TOTAL REVENUE $845,891

Expense Breakdown

Grants Paid $0

Salaries & Benefits $184,176

Fundraising Expenses $0

Program Expenses $611,369

Other Expenses $445,611

TOTAL EXPENSES $629,787

Year-over-Year Comparison

	2025	2024	Change
Revenue	$845,891	$818,883	+0.0%
Expenses	$629,787	$686,262	-0.1%
Net Income	$216,104	$132,621	+0.6%

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
WILLIE AMAKER	BOARD MEMBER	N/A	Director	$0	$0	$0
JERRY BROWN	BOARD MEMBER	N/A	Director	$0	$0	$0
HARRY BYRD	TREASURER MA	N/A	Officer 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	BOARD MEMBER	N/A	Director	$0	$0	$0
TERRI MCCURDY	VICE CHAIRPE	N/A	Director	$0	$0	$0
KAREN PATTERSON	BOARD MEMBER	N/A	Director	$0	$0	$0
MIKE WINGARD	CHAIRMAN	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
2025	$845,891	$629,787	$25,805,554	$216,104
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