TRANSPORT CREDIT UNION (EIN 590594973) - 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

1939

Legal Domicile

Principal Officer

BRANDON HOFFMAN

Phone

8136219631

Tax Period

2025-01-01 to 2025-12-31

TRANSPORT CREDIT UNION, founded in 1939, is a community nonprofit that reported $2.3M in total revenue in fiscal year 2025. The organization ran a surplus of $682K, a strong 30% operating margin.

Mission

CREDIT UNION - TO PROVIDE FINANCIAL SERVICES FOR ITS MEMBERS.

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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 $1,821,111

Investment Income $369,937

Other Revenue $102,073

TOTAL REVENUE $2,293,121

Expense Breakdown

Grants Paid $0

Salaries & Benefits $399,188

Fundraising Expenses $0

Program Expenses $1,611,285

Other Expenses $1,212,096

TOTAL EXPENSES $1,611,284

Year-over-Year Comparison

	2025	2024	Change
Revenue	$2,293,121	$2,150,267	+0.1%
Expenses	$1,611,284	$1,262,681	+0.3%
Net Income	$681,837	$887,586	-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

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

$194,058

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
BRANDON HOFFMAN	PRESIDENT/CE	40.00	Officer	$81,402	$4,924	$86,326
TANYA FEAR	CFO/ALCO	40.00	Officer	$96,893	$10,839	$107,732
KENNETH WOOD	BOARD CHAIR	1.00	Director	$0	$0	$0
BRIAN ROTHMAN	BOARD VICE C	1.00	Director	$0	$0	$0
JOHN BIGELOW	BOARD SECRET	1.00	Director	$0	$0	$0
KENNETH WILLIAMS	BOARD MEMBER	1.00	Director	$0	$0	$0
LYNN MCGREGOR	AUDIT COM CH	1.00	Officer	$0	$0	$0
ALFRED WILLIAMS	AUDIT COM ME	1.00	Officer	$0	$0	$0
OLGA GONZALEZ	AUDIT COM ME	1.00	Officer	$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	$2,293,121	$1,611,284	$33,803,911	$681,837
2024	$2,150,267	$1,262,681	$33,236,382	$887,586
2023	$1,818,274	$1,053,372	$29,755,139	$764,902
2022	$1,520,814	$871,740	$28,708,292	$649,074
2021	$1,323,069	$936,757	$27,277,612	$386,312
2020	$1,281,178	$947,373	$24,211,627	$333,805
2019	$1,280,680	$1,013,132	$21,220,961	$267,548
2018	$1,216,802	$1,030,334	$20,732,533	$186,468

TRANSPORT CREDIT UNION