ATLANTA POSTAL CREDIT UNION (EIN 580146810) - 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

1925

Legal Domicile

Principal Officer

BLAKE GRAHAM

Phone

4047684126

Tax Period

2023-01-01 to 2023-12-31

ATLANTA POSTAL CREDIT UNION, founded in 1925, is a major nonprofit that reported $108.2M in total revenue in fiscal year 2023. Revenue grew 13% year-over-year, indicating healthy expansion. Net assets of $283.6M represent 31 months of operating reserves.

Mission

TO HELP OUR MEMBERS ACHIEVE FINANCIAL SUCCESS BY PROVIDING EXCEPTIONAL PRODUCTS AND SERVICE.

🔒

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 (2023)

Revenue Breakdown

Contributions & Grants $5,961,203

Program Service Revenue $91,375,962

Investment Income $10,906,274

Other Revenue $0

TOTAL REVENUE $108,243,439

Expense Breakdown

Grants Paid $38,968

Salaries & Benefits $29,112,806

Fundraising Expenses $0

Other Expenses $76,015,896

TOTAL EXPENSES $105,167,670

Year-over-Year Comparison

	2023	2022	Change
Revenue	$108,243,439	$95,502,875	+0.1%
Expenses	$105,167,670	$81,147,298	+0.3%
Net Income	$3,075,769	$14,355,577	-0.8%

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

387

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

$2,333,941

Total Directors

$1,584,153

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
TIM PAYNE	BOARD SECRETARY	1.00	Officer Director	$21,658	$0	$21,658
BLAKE GRAHAM	PRESIDENT/DIRECTOR	40.00	Officer Director	$516,093	$50,308	$566,401
BETTY RANSON	DIRECTOR	1.00	Director	$19,060	$0	$19,060
J T MIDDLEBROOKS	DIRECTOR	1.00	Director	$20,100	$0	$20,100
PHILIP UPCHURCH	DIRECTOR	1.00	Director	$4,500	$0	$4,500
DAVID PATTERSON	DIRECTOR	1.00	Director	$24,180	$0	$24,180
DAVID DISHAROON	CHAIRMAN	1.00	Officer Director	$6,750	$0	$6,750
CHARLES HEAD	CEO/DIRECTOR	40.00	Officer Director	$877,614	$24,798	$902,412
SARAH V MEEK	DIRECTOR	1.00	Director	$19,092	$0	$19,092
MIKE CANTRELL	DIRECTOR	1.00	Director	$0	$0	$0
GARY KYLE	CFO	40.00	Officer	$509,975	$29,514	$539,489
RACHAEL MARTIN	CFO	40.00	Officer	$269,768	$27,463	$297,231
BELINDA BLAIR	VP MARKETING	40.00	Highest	$196,770	$14,124	$210,894
RICHARD MCCALL	CIO	40.00	Highest	$546,885	$35,402	$582,287
MICHAEL WRIGHT	CPO	40.00	Highest	$226,100	$32,478	$258,578
MARY KELLEY	CRO	40.00	Highest	$210,380	$26,538	$236,918
JOHN ANDERSON	CLO	40.00	Highest	$237,564	$44,430	$281,994

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	No data	No data	No data	No data
2023	$108,243,439	$105,167,670	$2,424,911,153	$3,075,769
2022	$95,502,875	$81,147,298	$2,508,761,304	$14,355,577
2021	$86,141,254	$74,758,149	$2,565,202,791	$11,383,105
2020	$86,407,142	$81,880,110	$2,416,741,247	$4,527,032
2019	$91,838,431	$76,906,606	$2,165,395,511	$14,931,825
2018	$85,313,280	$71,270,199	$2,121,514,285	$14,043,081

ATLANTA POSTAL CREDIT UNION